If you would like to speak with a US Life Settlement specialist call 888-757-8757 or click here. Our team is very responsive and eager to meet for a consultation. Within 24 hours you will be contacted by a representative to arrange a personal consultation.

Obtaining a no cost, no obligation appraisal of your policy is easy. The process can be broken down into five simple steps:

1. Fill out the online Application Kit - You can print this form and fax it to (858) 225-0825. If you would like an application to be faxed, emailed or mailed to you please call toll free (888) 757-USLS (8758) or email us at request@uslifesettlements.com
2. A case manager will contact you personally to collect any necessary data and answer any questions that you may have.
3. Your policy will be reviewed and bid upon by each of the qualified life settlement buyers. The results will be made readily available to you.
4. Once you accept a bid, your case manager will request that the finalizing documents be prepared. After the finalizing documents are prepared, a meeting will be scheduled to collect all the proper documents and necessary signatures.
5. A third party escrow agent, usually a large bank, will manage the transfer of funds and the change of policy ownership. Once the necessary verifications have been made by the escrow agent, the money is directly wired or sent to you.

The following illustration is a “behind the scenes” look at the sales process that US Life Settlements provides for clients. This illustration is representative of the extensive process that is followed for each client to ensure the most competitive price is achieved for each life settlement.

Your case manager will help you with the proper completion of applications needed to submit your policy for an appraisal or life settlement. Once the necessary forms have been completed and collected, your policy will be submitted to all of the qualified life settlement buyers. These buyers will review and submit bids on your policy.

Beware! Some life settlement brokers will claim to submit your policy to multiple buyers. Since this process is very labor intensive, and requires a working relationship with each buyer, many brokers will only submit a policy to 1 or 2 buyers. US Life Settlements is one of the only life settlement companies that is willing to show you all bids as they arrive. This verifies that your policy was submitted to each of the qualified buyers ensuring the most competitive bids for your policy. We are in fact working with as many qualified buyers as possible in order to ensure the most competitive bids.

The following is representative of an actual life settlement case and the accompanying bidding process:

After the initial bid results have been received, the buyers will be notified that their bid was or was not the highest bid. They will also be informed that a second bidding round will be open for the interested buyers. In this life settlement case, five buyers submitted a second bid:

After the results of the second round are received, each buyer will be given one final opportunity to make an offer on the policy. In this example, three bidders decided to make no higher offer while two submitted larger amounts. The case manager then informed the client of the highest bid and the client accepted the winning $256,000 offer. US Life Settlements provided optimal exposure to find the highest buyer, but our proprietary system was able to increase the buyer's original bid by $35,000.

Once an offer is accepted, the life settlement documents are prepared and sent to the client. These documents include a purchase agreement, change of policy ownership forms and beneficiary waivers. These documents must be signed, witnessed and notarized.

When the life settlement documents are completed and returned, the buyer will place the accepted offer amount in an escrow account. The escrow agent will hold the funds while the insurance company verifies the change of ownership forms. (Many of the largest and most respected banks in the country are used for escrow). When the change of ownership is verified, the money is sent to the client within 48 hours via check or wire.