What is a Life Settlement?

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A Life Settlement is a financial transaction in which the owner of an existing life insurance policy sells the policy to a third party for a negotiated price that exceeds the cash surrender value offered by the insurance company.

Proceeds from a life settlement can be used in any way and are often used by policy holders, together with their financial advisors, to fund other financial products. Today they represent a unique, dynamic planning tool that can help further an individual's financial goals and well-being in many ways.