New York is one of the nation’s largest life settlement markets—but also one of the most complex. The state’s strict regulatory framework protects policyholders, yet many still face pressure from direct buyers and life settlement “marketing companies.” These firms create the illusion of choice while funneling policyholders toward one buyer, often paired with tactics like “expiring” offers, relentless phone calls, and distressing emails.
Windsor takes the stress out of the process. As an independent broker, we represent you—not the buyers. Our team handles the countless hours of underwriting, coordination, and negotiation required to secure the best outcome. By introducing your policy to multiple institutional investors, Windsor creates true competition—leading to stronger offers and a better life settlement experience.
From Buffalo to Long Island, policyholders turn to Windsor for independence, service, and results:
Higher Offers Through Competition – Multiple buyers bidding on your policy means stronger payouts than selling direct.
Full-Service Dedication – We manage the manpower, stress, and hours of work so you don’t have to.
No Pressure Tactics – No “expiring” deadlines. No harassing calls. No email bombardment.
Proven Experience – With 16+ years in the industry, Windsor has helped policyholders nationwide achieve better outcomes.
New York passed one of the most comprehensive life settlement acts in the country in 2009 (N.Y. Insurance Law §§ 7810–7815). Here’s what matters for policyholders:
Rescission Rights – You may rescind a life settlement within 15 days of receiving proceeds by returning them, or within 30 days of contract execution, whichever is sooner.
👉 N.Y. Ins. Law §7810(d)
Escrow & Payment Requirements – Proceeds must be held by an independent escrow agent and disbursed to you within 3 business days after the insurer acknowledges the transfer.
👉 N.Y. Ins. Law §7810(e)
Extensive Disclosure Requirements – Brokers must provide a written disclosure covering: alternatives (policy loans, accelerated benefits), possible tax implications, potential effects on public assistance, broker compensation, rescission rights, and insurer contact information.
👉 N.Y. Ins. Law §7810(a)
Privacy & Contact Limits – Providers are restricted in how often they may contact the insured for health updates (quarterly if life expectancy >1 year; monthly if ≤1 year), and personal data must remain confidential.
👉 N.Y. Ins. Law §7810(c)
Strict Licensing & Oversight – All life settlement providers and brokers must be licensed by the New York Department of Financial Services, which has authority to enforce rules and issue penalties.
👉 N.Y. Ins. Law §7803
These protections make New York one of the safest states for policyholders considering a life settlement. Windsor ensures you benefit from these laws—while removing the stress and hours of work required to secure the best outcome.
From Manhattan and Long Island to Albany, Rochester, and Buffalo, Windsor supports policyholders across New York. Our remote-friendly, full-service process ensures that you can review offers from home while Windsor drives competition among national buyers.
If you’re a New York policyholder considering a life settlement, don’t settle for less with direct buyers or life settlement “marketing companies.” Windsor brings true competition, manages the hours and stress, and delivers stronger offers with a better experience.