First offer
$1,820,000
Recent offer
$2,430,000
+$610,000, up 33.5%
26 offers over 31 days
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 check. No fees to shop offers.
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
Different sizes, different carriers, same pattern. Names have been changed and policy numbers removed. Every other figure is unchanged.
First offer
$425,000
Sold for
$600,000
+$175,000, up 41.2%
11 offers over 29 days
First offer
$45,000
Recent offer
$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 decide.
3. You choose the buyer.
Buyers often raise their offers to win the policy. You pick the one that works.
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 makes one offer. Windsor allows policyowners to shop offers from a single calculator.
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. Nobody outside of Windsor will see the file until you're ready to shop offers.
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 cost to shop offers.
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
★★★★★
75 Google reviews
★★★★★Cindy was a great help through the process. Knowledgable and able to clearly explain what is required and what can be expected.
Kevin Chen - September 2026 Google
★★★★★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
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.
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 policyQualifying
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
What Windsor charges
Commission is agreed upon in writing before a policy goes to market.
Many life settlement companies claim they don't charge commission. Others claim they charge a "flat fee". Commissions and flat fees 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, even after a policy is sold.
Doesn't get any easier than that.
Resources
What's new in life settlements
Case studies
Recent life settlement cases and what they paid
Three policies, three carriers, three sizes. Each taken to the full market of institutional buyers.
Directory
Companies that buy life insurance policies
Who the direct buyers, brokers and marketing companies are, and how to tell them apart.
Taxes
What we know about life settlement taxes
Life settlements are taxed more favorably than others fear. Part of the proceeds is usually a tax-free return of premiums.
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.