Q Capital Strategies for Consumers

Did you know you can sell your life insurance?

  • Eliminate expensive premium payments
  • Secure your retirement needs
  • Cover medical costs
  • Get the best offers with the best terms

Q Capital Strategies Life Settlement Calculator

Estimate Your Policy Value

Please enter the policy size.

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Think Advisor

Why choose a life settlement?

Your current insurance policy may not be as suitable to your current situation, as our needs change over time. Should you reevaluate your financial plan and needs for the future? A life settlement is one option many seniors are utilizing to meet their changing financial needs to achieve a higher quality of life.

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Case 1

$132,500 for Wife’s Senior Care Needs

A husband needed to move his wife into a senior care facility but wondered how he could afford quality accommodations. He met with his attorney who recommended converting his wife’s $275,000 Universal life insurance policy into a Senior Care Benefit Plan in order to offset care costs. Q Capital was able to help him obtain a $132,500 offer on her policy, which he placed in our proprietary Senior Care Benefit Plan which made monthly payments of $3,000 toward her care.

Case 3

$54,000 for Parental Care Needs

A daughter was trying to help fund her parents’ long term care needs, but the cost was too high and she was facing the prospect of taking on debt. She met with her financial advisor who suggested she look into our Senior Care Benefit Plan to help her parents. Q Capital was able to help her sell her father’s $100,000 Term life insurance policy for $54,000. They used our Senior Care Benefit Plan to make $1,000 monthly payments toward her parents’ care.

Here are some examples where a life settlement helped our clients handle difficult situations.

Case 2

$180,000 Shared among Family’s Children

In the case of one family we helped, four adult-children owned a $1,000,000 life insurance policy on their 74 year-old mother. There was no cash surrender value in the policy, and it would lapse if a premium of $33,300 wasn’t paid. The family didn’t want to pay the premium, but they also didn’t want to lose the investment of all those premium payments they made since they took out the policy in 1995. Their financial advisor suggested selling the policy. Q Capital helped them get an offer of $180,000 for the policy, and each owner got $45,000 while alleviating the premium burden.

Case 4

$54,640 for Ailing Wife’s Home Care

A husband needed to hire a home care provider to assist with his ailing wife. The couple agreed that the best way to fund care would be to sell the wife’s $148,000 Group Universal life insurance policy. Premiums were a drain on resources and the need for care was urgent. Q Capital helped them obtain a $54,640 offer for her policy, which they used to make $2,000 monthly payments to cover her home care with our Senior Care Benefit Plan.

Life Settlement Researcher

Curious about how life settlements 


In a life settlement, you sell your life insurance policy for an upfront lump sum cash payment, and you will no longer need to make any premium payments.

The buyer of your policy takes over all future premium payment obligations and becomes the new owner and beneficiary. The sale of the policy is done through a regulated life settlement provider. The buyers are institutional investors that have large portfolios of life insurance policies and hold them until it is time to collect on the policy.

Your goal in a life settlement transaction should be to obtain the best possible offer with the best terms. Q Capital works with you to guide you every step of the way.

A life settlement can improve your and your loved ones quality of life by giving you financial independence.

I appreciate all the help you gave us because we never could’ve afforded the wonderful woman who came to help us these last 8 months. We never could’ve afforded her care. Thank you soooo much for everything!

Patricia R.


Again, I want to thank you for your patience and support during this challenging time and I can finally see the light at the end of the tunnel. It was a great pleasure speaking with you the other day and I really appreciate all of the hard work you have put in throughout this entire process.

Constance K.


Helping people meet life’s challenges head-on.

Tell us a little about your situation and we’ll help you assess what options you have with your life insurance policy, including a possible life settlement.

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