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Saul L. Appel, CLU, ChFC

Why Your Insurance Company May Not Mention Life Settlements

Insurance companies may discuss surrendering or ending coverage without explaining the separate life settlement market.

Published August 20, 2026

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If you ask your insurance company about dropping a policy, they may discuss surrender value or how to stop coverage. They may not mention selling the policy.

A life settlement is handled outside the insurance company, through third-party buyers. In some cases, that market may offer more than the surrender value.

Before you lapse or surrender a policy, it is smart to check all options.

Your policy may be more than a bill. It may be an asset.

Policy-Cash.com helps policyowners review their options before making a final decision.


Saul L. Appel, CLU®, ChFC® | President, Appel Financial, Inc. | 50+ years experience