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All About Life Settlements

Every day more seniors (and their caretakers) are discovering the benefits of tapping the hidden value of their life insurance policy through a life settlement. As insurance premiums escalate over time, and as medical and retirement living costs rise, life settlements can provide a qualified senior significant value.

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All About Life Settlements

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Eligible States

Life settlements are regulated state-by-state. Currently 42 states and Puerto Rico have governing rules, and the state insurance department oversees the licensing and conduct of companies. View the map where Q Capital is currently accepting new cases for review.

Frequently Asked Questions

The life settlement industry is still reatlively new and unknown to the public. As a result, many people have questions. We’ve shared some of the most common questions we receive and the answers may be surprising.

The Life Settlement Source

News, industry trends and thought provoking articles from Q Capital’s leadership. 

Q Capital Archive

An archive of articles on the topic of life settlements, published by Q Capital Strategies during the formative stages of the industry.

Glossary Of Terms

The financial services industry is rife with difficult terms and insider jargon. Learn the ropes with our comprehensive glossary of terms and get up to speed in no time.


Latest general announcements from Q Capital.

Quick Fact

The proceeds from a policy sale is often many times greater than the cash surrender value that would be offered by an insurance company.


Top FAQ’s

The top five questions we get from clients across the country

Q: What is a Life Settlement?

A: A Life Settlement is the sale of an existing life insurance policy to a third party for more than its cash surrender value but less than its net death benefit. Depending on the state, a Life Settlement usually refers to a transaction involving an insured who is not terminally or chronically ill, generally over the age of sixty (60). See our article “All About Life Settlements” for a thorough discussion.
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Q: Do I qualify for a life settlement?

A: Q Capital purchases life insurance policies with a face value in the range of $100,000 to $10,000,000 that insure the lives of U.S. residents over the age of 60.

Q: What types of policies do you buy?

A: Most types of life insurance policies can qualify; however, the most common are universal life, survivorship, whole life, convertible term, and variable life.

Q: How much money will I get if I sell my life insurance policy?

A: The value of a life insurance policy is determined by a number of factors, including, but not limited to, the age and medical condition of the insured, type of insurance policy, rating of the issuing insurance company, and amount of premium payments to keep the life insurance policy in force.

Q: After I sell my policy, are there any restrictions on how I can use the money?

A: No, there are no restrictions on use of the funds – the money is yours to spend as you like.

Helping people meet life’s challenges head-on.

Tell us a little about your situation and we’ll help you assess whether a life settlement is right for you. 

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