Sell Your Life Insurance Policy
in Oregon for More Than You Think
Oregon policyholders age 65+ with policies of $100,000 or more may qualify for a life settlement — receiving 4 to 8 times the cash surrender value. Get a free, confidential evaluation today.
Life Settlements in Oregon: What You Need to Know
Oregon regulates life settlements under the Oregon Life Settlement Act (ORS Chapter 744), which is administered by the Oregon Division of Financial Regulation (DFR). This law protects Oregon sellers by requiring all life settlement providers and brokers to be licensed, ensuring full disclosure of all offers and fees, and giving you a 15-day right of rescission after signing a settlement agreement.
Oregon Seller Protections
The Oregon DFR requires all life settlement providers and brokers to be licensed. You have a 15-business-day right of rescission after signing any settlement agreement — meaning you can change your mind.
Your rights are protected by Oregon law
Oregon Tax Considerations
In Oregon, life settlement proceeds exceeding your cost basis (total premiums paid) are taxable. However, amounts up to your basis are generally tax-free. Consult a CPA — Rodney can refer you to tax specialists.
Maximize your net proceeds
Why Sell vs. Lapse?
Oregon seniors lapse or surrender $2.7 billion in life insurance annually without ever exploring the secondary market. A policy worth $250K at face value may be worth $30,000–$80,000+ in a life settlement.
Don't leave money on the table
Oregon Cities & Service Areas
Rodney Cummings provides life settlement evaluations for policyholders across all of Oregon, including:
Does Your Oregon Policy Qualify?
- ✅ Policy Face Value: $100,000 or more (term or permanent)
- ✅ Policyholder Age: Typically 65 or older (some exceptions at 60+)
- ✅ Policy Age: In force for at least 2 years (past contestability period)
- ✅ Health Change: Any decline in health since policy was issued helps qualify
Get Your Free Oregon Policy Evaluation
Tell us about your policy and we'll provide a confidential estimate of what it may be worth on the secondary market — at no cost and no obligation.
Find Out What Your Oregon Policy Is Worth
Answer a few quick questions so we can match you with the best options — takes about 2 minutes.
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Or call directly: 503-832-8555 · Book a Free Consultation