Coastline Life Partners is a licensed life settlement broker — a fiduciary who represents you, never the buyer. We bring your policy to multiple institutional buyers in a competitive bidding process, at zero upfront cost to you.
A life settlement is the sale of an existing life insurance policy to a licensed third-party buyer for a cash payment greater than the policy's cash surrender value — but less than its net death benefit.
Millions of Americans age 65 and older unknowingly let valuable policies lapse each year. A life settlement can convert that policy into real capital — funds you can use today for retirement income, healthcare expenses, long-term care, or any other purpose.
Life settlements are legal, regulated transactions. The U.S. Supreme Court established a policyholder's right to sell their policy as a personal asset in Grigsby v. Russell (1911), and today comprehensive state consumer protections — including Florida's Office of Insurance Regulation — safeguard policyholders throughout the process.
See If Your Policy Qualifies →*Outcomes vary based on age, health, policy type, and market conditions. Your policy's value is determined by competitive bids from licensed institutional buyers — never by a quoted estimate.
From initial inquiry to funded proceeds, Coastline Life Partners guides you through every step with clarity and care.
Share basic details about your policy and personal situation. No obligation, no cost. We evaluate fit in minutes.
We gather policy documents and medical records (with your consent) to determine your policy's market value.
We present your policy to multiple licensed institutional buyers, ensuring you receive the highest possible offer.
Once you accept an offer and the closing documents are complete, ownership transfers and your proceeds are delivered through a secure escrow process.
While every situation is unique, policyholders most likely to benefit from a life settlement generally meet several of the following criteria:
Most life settlement buyers focus on policies held by seniors, though younger policyholders with health changes may also qualify.
Universal life, survivorship universal life (SUL), and convertible term policies typically qualify. Business-owned and certain group policies may also be eligible.
Retirement, a change in estate plan, unaffordable premiums, or reduced need for the death benefit are all common triggers.
Florida and most states require a minimum holding period before a policy can be sold in a life settlement transaction.
If you're thinking about letting your policy go, a life settlement can provide dramatically more cash than surrendering it back to your insurer.
Every year, billions in potential life settlement value go unclaimed because policyholders simply aren't aware of this option. Coastline Life Partners exists to change that.
Our job is to represent you — not the buyer. We work exclusively on your behalf to maximize your settlement and guide you through a clear, documented process from start to finish.
Try the Free Policy Calculator →As your broker, we work for you — not the institutional buyers. Our goal is always to secure the highest offer available in the market, with full transparency at every step.
Life settlements are deeply personal decisions. Our Florida-based team provides thoughtful, one-on-one guidance — never rushed, never pressured, always on your timeline.
We submit your policy to multiple licensed institutional buyers simultaneously — creating genuine competition that consistently drives higher settlement payouts for our clients.
Unlike a settlement provider or direct buyer, a licensed broker has a duty to the policyholder. We shop your policy to the entire market rather than making a single offer that serves the buyer's interests. Learn the difference →
There are zero upfront fees to explore your options. We are compensated only when a transaction successfully closes — so our interests are perfectly aligned with yours.
We welcome coordination with your existing financial advisor, CPA, or estate attorney. Informed decisions are always the best decisions, and we support the full team approach.
Life settlements are one of the most underutilized planning tools available to senior clients. As a licensed life settlement broker, Coastline Life Partners can be an invaluable resource for your practice.
Life settlements are a newer concept for many. Below are answers to the questions we hear most often. Still have questions? We're a phone call away.
Your inquiry has been received. A licensed Coastline Life Partners broker will be in touch within one business day. Your information is kept strictly confidential.
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