Disclosures

1. Platform Nature & Compensation

Our comparison platform is 100% free for consumers to use. We operate as an independent digital comparison and information resource. We do not charge you a fee to search, analyze, or compare options.

When you submit information through our platform, we may receive financial compensation, referral fees, or marketing revenue from participating carriers, brokers, or licensed financial service providers. This compensation arrangement supports our free service and may influence how or where products appear on our site; however, it never compromises our objective comparisons, educational guides, or analytical frameworks.

2. General Product & Service Disclaimer

Content published on this website is for general informational and educational purposes only and does not constitute formal legal, tax, financial, or investment advice. Engaging with third-party products, services, or licensed professionals—such as life settlements, permanent insurance policies, or estate planning vehicles—may involve separate costs, premiums, contractual obligations, or fees determined entirely by those third-party providers.

Life Settlement Regulatory Disclosures

If you are exploring a life settlement transaction through our network or partners, please review the following statutory protections and considerations:

• Definition: A life settlement involves the sale of an existing life insurance policy to a third-party investor or provider for an immediate lump-sum cash payment. This payout is typically higher than the policy's cash surrender value, but lower than the total death benefit.

• Fiduciary Representation & Licensing: All life settlement brokers and providers involved in executing transactions must be licensed in your state of residence. Legitimate life settlement brokers operate under a legal obligation to act in the best interest of the policy owner.

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• Eligibility Criteria: Qualification depends on factors such as age, health history, policy type, and carrier guidelines. State-specific regulations dictate precise qualification hurdles.

• Tax & Financial Impacts: Proceeds from a life settlement may be subject to federal and state income taxes. Furthermore, selling a policy completely liquidates ownership, meaning original beneficiaries will no longer receive any death benefit payout upon your passing. Always consult independent tax and financial advisors.

• Absolute Right to Rescind: By law, consumers retain a mandatory "cooling-off" period (typically 15 to 30 days depending on state jurisdiction) to cancel or rescind a life settlement contract after execution without penalty.

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• No Obligation: Exploring options or receiving an initial policy valuation through our network places you under zero obligation. You retain the right to keep your policy active, surrender it directly to your carrier, or pursue alternative financial strategies.

State Fraud Warning Notice

Any person who knowingly presents false information in an application for insurance or a life settlement contract is guilty of a crime and may be subject to fines, civil penalties, and confinement in prison under state law.

Questions or Concerns?

If you have any questions regarding these disclosures or how our platform operates, please reach out to our team Here.