Premiums feel too high
A once-manageable payment may now compete with retirement income, care costs, or everyday expenses.
Let’s Review Your Options TodayLIFE SETTLEMENT GUIDANCE • FLORIDA
Your life insurance policy may be worth more while you’re living.
If a policy no longer fits your life, letting it lapse may not be your only choice. I’ll help you understand whether selling it could be an option—and what to consider before you decide.
Meredith Lea is a Florida-licensed life agent and self-appointed viatical settlement broker. No Social Security number, bank information, or medical records are collected on this site.
ONE POLICY • MORE THAN ONE POSSIBLE PATH • A DECISION THAT DESERVES A HUMAN CONVERSATION
WHAT IS A LIFE SETTLEMENT?
You sell an existing policy to a licensed third party.
The buyer pays you a lump sum, takes over future premiums, and receives the death benefit when the insured dies. An offer may be more than the policy’s cash surrender value but will be less than its death benefit.
This is not right for every person or every policy.
As your viatical settlement broker, I represent you—not the settlement provider—and owe you a fiduciary duty. We’ll first review your current policy, including available accelerated death benefits and other options that could meet your needs without a settlement.
If a settlement review makes sense, I will work with appropriately licensed settlement providers and bring any offers obtained back to you for review. You remain in control of the decision.
WHY PEOPLE EXPLORE IT
Life changed. The policy didn’t.
Coverage is no longer needed
Children may be independent, a business may have closed, or the original planning need may be gone.
Health or priorities changed
Some people would rather use value from the policy now for care, debt, housing, or quality of life.
A policy is about to lapse
Before walking away, it can be worth checking whether another exit may return more value.
A SIMPLE FIRST LOOK
Could your policy be worth reviewing?
These are common indicators—not approval rules. Policy type, health, carrier, premiums, and life expectancy all affect whether buyers may make an offer.
Check what applies.0 of 5 common indicators selected
I Would Like to Explore My Options — Book a Call with Meredith →Calling does not obligate you to sell your policy.
WHAT HAPPENS NEXT
Clear steps. No rushed decision.
Private conversation
We talk about why you are considering a change and the basics of your policy.
Policy review
If appropriate, information is reviewed to see whether the policy may qualify.
Compare your choices
You review any offer alongside keeping, changing, surrendering, or lapsing the policy.
You decide
A settlement is voluntary. You can decline an offer and keep exploring other paths.
BEFORE YOU SELL
The cash is only one part of the decision.
- Alternatives may include accelerated death benefits offered by your insurer, keeping or changing the policy, borrowing against available cash value, or surrendering it.
- Settlement proceeds may be taxable.
- Proceeds may affect Medicaid or other means-tested benefits.
- Creditors may be able to reach proceeds after they are paid.
- Your beneficiaries will no longer receive the policy’s death benefit.
- The buyer will receive ongoing health and mortality information.
Before accepting an offer, speak with your own tax, legal, and benefits advisers about your specific situation.
YOUR POLICY DESERVES A SECOND LOOK
Before you let it go,
let’s see what it may be worth.
Start with a no-pressure conversation with Meredith.
Let’s Review Your Options Today →
Florida regulates life settlements under its Viatical Settlement Act. Transactions must be handled through appropriately licensed parties. A completed settlement generally includes required written disclosures and a 15-day right to rescind after proceeds are received, conditioned on returning those proceeds. A settlement may affect taxes, creditors, estate plans, and public-assistance eligibility. Ask your own advisers how these issues apply to you. To verify a Florida insurance license or request consumer assistance, contact the Florida Department of Financial Services at 1-877-MY-FL-CFO (1-877-693-5236).