Your Texas Life Insurance Policy
May Be Worth Far More Than You Think
Thousands of Texas policyholders over 65 are selling their unwanted life insurance policies for 4 to 8 times their cash surrender value — completely legal, TDI-regulated, and tax-advantaged under Texas law.
What Texas Policyholders Are Getting
Surrender Value
for Qualifying TX Policies
Age 65 or Older
Your Settlement
Life Settlements in Texas
Texas has one of the most active and well-regulated life settlement markets in the country. Under TX Insurance Code §1111A, sellers have strong consumer protections — and with no state income tax, you keep more of your settlement proceeds.
📋 Texas Regulations
Life settlements in Texas are governed by TX Insurance Code §1111A and regulated by the Texas Department of Insurance (TDI). Brokers must be licensed, transactions must be fully disclosed, and sellers have a 15-day right of rescission after signing.
💡 Why Texas Seniors Sell
Whether premiums have become unaffordable, coverage is no longer needed, or retirement funds are running short — Texas policyholders use life settlements to unlock hidden policy value. The proceeds can fund long-term care, living expenses, or estate planning goals.
💰 Texas Tax Advantage
Texas has no state income tax — one of only nine states with this advantage. Life settlement proceeds above your policy's cost basis may be subject to federal tax, but you'll owe nothing to the state of Texas, putting significantly more money in your pocket.
Serving Texas Policyholders Statewide
Do You Qualify? — Texas Eligibility Checklist
Not sure if you qualify? Submit your policy details below for a free, no-obligation assessment.
Find Out What Your Texas Policy Is Worth
Takes 2 minutes. No obligation. No upfront costs. We'll assess your policy and present your best options from our network of licensed Texas buyers.
Find Out What Your Texas 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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