# Windsor Life Settlements

> Windsor Life Settlements is a licensed life settlement broker that helps policyowners sell a life insurance policy they no longer need for more than its cash surrender value. Windsor represents the policyowner as a fiduciary, not the buyer, and puts each policy in front of competing licensed buyers. There is no cost to the policyowner unless the policy sells.

Windsor works with policyowners, their families, and their agents and financial advisors across the United States. Policies typically need a death benefit of at least $100,000. Life settlements usually suit insureds who are older or have health conditions; viatical settlements are for insureds with a terminal or chronic illness. Phone: 1-888-994-6376, Monday to Friday, 9am to 5pm Central.

## Free calculators

- [Life Settlement Calculator](https://windsorlifesettlements.com/life-settlement/life-settlement-calculator/): Estimate what a universal, whole, or other permanent life insurance policy could sell for.
- [Term Life Settlement Calculator](https://windsorlifesettlements.com/life-settlement/selling-a-term-life-insurance-policy/): Check whether a convertible term policy could be sold and what it may be worth.
- [Viatical Settlement Calculator](https://windsorlifesettlements.com/viatical-settlements/viatical-settlement-calculator/): Estimate the value of a policy when the insured has a serious or terminal illness.

## Life settlements

- [What Is a Life Settlement?](https://windsorlifesettlements.com/life-settlement/): How selling a life insurance policy works and who it suits.
- [Life Settlement Brokers](https://windsorlifesettlements.com/life-settlement/life-settlement-brokers/): Why a broker owes the policyowner a fiduciary duty and a buyer does not.
- [Life Settlement Taxes](https://windsorlifesettlements.com/life-settlement/life-settlement-taxes/): How life settlement proceeds are usually taxed.
- [Selling a Universal Life Policy](https://windsorlifesettlements.com/life-settlement/selling-your-universal-life-policy-for-cash/): Options when universal life premiums keep rising.
- [Selling a Whole Life Policy](https://windsorlifesettlements.com/life-settlement/policy-type-whole-life/): How whole life policies are valued by buyers.
- [Selling a Term Life Policy](https://windsorlifesettlements.com/life-settlement/selling-a-term-life-insurance-policy/): When a term policy can be sold.
- [Can a Term Policy Be Sold?](https://windsorlifesettlements.com/life-settlement/selling-a-term-life-insurance-policy/can-a-term-policy-be-sold/): Conversion rights and when selling makes sense.
- [Convertible Term Life Insurance](https://windsorlifesettlements.com/life-settlement/what-is-convertible-term-life-insurance/): What conversion means for a sale.

## Viatical settlements

- [What Is a Viatical Settlement?](https://windsorlifesettlements.com/viatical-settlements/): How viatical settlements work and what policies sell for.
- [Who Qualifies](https://windsorlifesettlements.com/viatical-settlements/eligibility/): Health and policy requirements.
- [The Process](https://windsorlifesettlements.com/viatical-settlements/process/): From policy review to payment.
- [Viatical Settlement Taxes](https://windsorlifesettlements.com/viatical-settlements/viatical-settlement-taxes/): When proceeds can be received tax free.
- [Regulations by State](https://windsorlifesettlements.com/viatical-settlements/states/): Licensing and consumer protections.
- [Viatical Settlement Brokers](https://windsorlifesettlements.com/viatical-settlements/brokers/): Why an independent broker matters.

## Companies that buy life insurance policies

- [Companies that buy life insurance policies, by state](https://windsorlifesettlements.com/companies-that-buy-life-insurance-policies/): Licensed buyers and state rules for policyowners in each state.

## Guides

- [You Probably Don't Qualify For A Life Settlement](https://windsorlifesettlements.com/you-probably-dont-qualify-for-a-life-settlement-heres-why/): The honest qualification rules.
- [Documents Needed to Start a Life Settlement](https://windsorlifesettlements.com/life-settlement-documents/): What to gather before applying.
- [Do Policy Loans Disqualify You?](https://windsorlifesettlements.com/do-policy-loans-disqualify-you-from-life-settlements/): How loans affect a sale.
- [What Is an Accelerated Death Benefit?](https://windsorlifesettlements.com/the-accelerated-death-benefit-option/): An alternative to selling for the seriously ill.
- [Selling a Policy to Pay Medical Bills](https://windsorlifesettlements.com/selling-a-life-insurance-policy-to-pay-medical-bills/): Using a policy to cover care costs.
- [All Windsor articles](https://windsorlifesettlements.com/windsor-articles/): Articles for policyowners, financial professionals, and investors.

## About Windsor

- [Meet the Team](https://windsorlifesettlements.com/about-us/): Who Windsor is.
- [For Agents and Financial Advisors](https://windsorlifesettlements.com/agents/): How Windsor works with advisors and their clients.
- [Contact Windsor](https://windsorlifesettlements.com/contact-us/): Phone, email, and contact form.