Sell a life insurance policy

Selling a life insurance policy?Let buyers compete for it.

Compare life settlement offers in minutes — no hoops, no obligation. Get a quote from all of the life settlement companies, including private buyers and funds, using a single calculator.

No cost to ask. No fee unless a policy sells.

Offer sheet — $7,000,000 Lincoln National policy
$2,430,000 sold, day 32 $1,820,000 first offer, day 1 — where a single buyer would have left it
11.5
average offers per case in 2026
4.8 ★★★★★
Google rating from 73 reviews
2012
the year Windsor started selling policies for policyowners
$0
charged unless a policy sells

Three recent cases

See all recent cases

Different sizes, different carriers, same pattern. Names have been changed and policy numbers removed. Every other figure is unchanged.

Case one
$7,000,000 policy
Lincoln National
First offer
$1,820,000
Sold for
$2,430,000
+$610,000, up 33.5%
26 offers over 31 days
Case two
$1,500,000 policy
John Hancock Life
First offer
$425,000
Sold for
$600,000
+$175,000, up 41.2%
11 offers over 29 days
Case three
$250,000 policy
Protective Life
First offer
$45,000
Sold for
$73,000
+$28,000, up 62.2%
9 offers over 21 days

Here's how it works

Start comparing life settlement offers.

1. Answer a few questions.

Tell us about the policy and the insured's health. It takes about a minute and costs nothing.

2. Compare your offers.

See real offers from every licensed buyer, side by side, before you commit to anything.

3. You choose the buyer.

Buyers often raise their offers to win the policy. You pick the one that works, or walk away.

We're not a buyer, but we know a lot of them.

Windsor brings together dozens of life settlement companies, private buyers, and funds into one process. A provider buying direct makes one offer. Windsor makes providers compete for the same policy.

11.5 average offers per case in 2026
26 offers on the $7,000,000 policy above
Recent Cases See what competition did to the price on three real policies.
Tools & calculators

Let's do the math

Answer a few questions and see your estimate on the next page. It takes about a minute.

Results appear on the next page. Windsor is a fiduciary and personally reviews every submission. Policyowners have no obligation at any time during the life settlement process.

What the estimate is, and what it isn't.

The range is modeled on Windsor's own closed cases. It tells you whether a policy is worth taking to market. It is not an offer and no buyer or anyone outside of Windsor will see the file until you're ready.

About a minute
Four questions about the policy, then your estimate.
A fiduciary reviews it
Windsor represents the policyowner, not a buyer.
Nothing is owed
No up front costs. No fee unless a policy sells.

Questions? Call 1-888-994-6376

Don't take our word for it

Find out why policyowners are trusting Windsor with their life settlement.

4.8 ★★★★★ 73 Google reviews
★★★★★

I found Windsor to be a great source of information and appreciated their candor and professionalism.

Gregory Worley · June 2026 Google
★★★★★

I worked with Cynthia Deason at Windsor Life Settlements and found her to be professional, knowledgeable, courteous, and responsive.

Cn Mac · July 2026 Google
★★★★★

My questions were answered efficiently which I appreciate.

Susan Smith · May 2026 Google

Don't sell a policy until it's been considered by all available buyers.

A life settlement by Windsor brings together all life settlement companies, including private buyers and investment funds.

Short term and long term signpost
Term policies

Yes, technically term policies can be sold.

Windsor specializes in identifying hidden opportunities with term policies. If a term policy is nearing the end, it's worth speaking to a fiduciary at Windsor just to confirm.

Under the right circumstances, such as age, health, and timing, a term policy can be converted and sold for real value.

Sell a term policy
Qualifying

You probably don't qualify for a life settlement. Here's why.

Today, many life settlement companies aren't life settlement companies at all. They're life settlement "marketing companies" that exist to generate leads and data.

Read why
You probably don't qualify for a life settlement

What Windsor charges

Commission is negotiable and agreed in writing before a policy goes to market.

Commission in this market can reach 30% of the settlement payment. Windsor's commission is 15% of the sale price, and on larger policies it does not typically exceed 5%.

There are never any up front costs, and no fee if a policy does not sell. A policyowner can cancel at any time.

Commission is quoted two ways in this industry. A percentage of the death benefit and a percentage of the sale price are not the same number. Windsor quotes against the sale price.

Resources

What's new in life settlements

All resources

What would the market pay for a policy?

The settlement calculator returns an estimate in about a minute. A short call establishes whether a policy is likely to qualify and what buyers are paying for policies like it.

Monday–Friday, 9am–5pm CT. Speak to a fiduciary.