A Broker on Your Side
Your broker represents you, the seller, as a fiduciary, legally required to act in your best interest.
Selling a life insurance policy
Private Client Life Settlement Brokerage
Citizens Life Group specializes in the sale of high-value life insurance policies, combining personal representation with competitive bidding among institutional buyers.
Fiduciary to the SellerNo Upfront Fees
A life settlement lets you sell an existing life insurance policy for cash. You decide whether to accept an offer.
Learn how life settlements workCitizens Life Group
Find Out What Your Policy Is Worth
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(321) 270-0279Why Work With Citizens Life Group?
Most people only sell a life insurance policy once. We help you bring yours to market and maximize your offer.
Centralized Buyer Submissions
One application puts your policy in front of 20 institutional buyers. We package your case and handle submissions, so you do not have to apply to each buyer separately.
Competitive Bidding
We bring your policy to a network of institutional buyers and negotiate competing offers to help maximize what you receive.
Understand Your Offers
You review the offers and decide whether to sell. There is no upfront cost, and every fee is disclosed in writing before you sign.
The Process
How Selling Your Policy Works
From the first conversation to reviewing offers and completing a sale, your broker guides the process.
$212,066 average payout
Nearly 9 times the average cash surrender value, per LISA 2025 market data. These are industry averages, not a forecast for your policy. Individual results vary.
1
Get Your Free Estimate
Fill out our short form or give us a call. We review your policy details and let you know if you qualify, usually within one business day.
Start your estimate 2
Your Policy Goes to Market
As your broker, we place your policy with a network of qualified institutional buyers and run a competitive bidding process designed to maximize your offer.
See the full process 3
You Get Paid
You review every offer. If you accept, we handle the paperwork and you receive your cash payment, typically within 60 to 90 days.
See what you could receiveTools and Guides for Your Next Step
Explore your policy, learn the terms, or check the rules where you live.
Life Settlement Calculator
Explore whether your policy may qualify. No signup required.
Find a Lost Policy
A step-by-step tool to help locate missing life insurance coverage.
Life Settlement Rules in Your State
State-specific requirements and consumer protections.
What Our Clients Say
Real reviews from Citizens Life Group clients on Google and the BBB.
Kids no longer needed my policy, they are all grown up, so I applied to sell it with Citizens Life Group ... Thank you Jeff and Cole, you guys were great.
Dave
Great guidance! I was able to get an offer for our survivorship life insurance policy way above what the carrier was offering as the cash out option. Highly recommended!
Joe
The cash I received for my policy is such a huge help with my medical situation. Thank you Cole for walking me through the steps. Could not thank Citizens Life Group enough!
Noah
Reviews and excerpts are from Citizens Life Group clients on Google and the BBB. Individual results vary. Your offer depends on your policy, your age, and your health.
Common Questions
Questions About Citizens Life Group
Is Citizens Life Group a buyer or a broker?
We’re a life settlement broker, and we represent you when you sell your policy. We don’t buy policies ourselves. We bring your policy to institutional buyers and negotiate competing offers on your behalf. Our broker vs. provider guide explains the difference, and our review of life settlement companies shows how to vet anyone you talk to.
What does it cost to sell through Citizens Life Group?
Nothing out of pocket. The broker commission is paid from the settlement proceeds at closing, and every fee is disclosed in writing before you sign. Proceeds can have tax implications. Our tax guide covers the basics, and a CPA can advise on your situation. More detail is in the FAQ.
Does Citizens Life Group handle viatical settlements?
Yes. When the insured is terminally or chronically ill, the sale is called a viatical settlement, and the same brokered, competitive process applies. See life settlement vs. viatical for how the two differ.
What types of policies does Citizens Life Group broker?
Universal life, whole life, survivorship, and convertible term policies can all qualify, including trust-owned policies where a trustee is the seller.
Before You Let a Policy Lapse, Check What It's Worth
The estimate takes a few minutes, and there is no obligation. If you want the background first, see what your policy is worth on the open market.
Mon to Fri, 9am to 8pm · Sat to Sun, 10am to 8pm Eastern · Free consultation · No obligation
Reviewed by Jeff Hallman, Florida licensed life agent (line 0214) and appointed viatical settlement broker (line 0266). Verify by name with the Florida DFS.