State-by-State Life Settlement Guides

Selling a life insurance policy is not a generic process, and it is never the same from one state to another. Life settlement laws are written at the state level, which means eligibility rules, waiting periods, rescission rights, licensing requirements, escrow protections, tax treatment, and disclosure obligations can all change the moment you cross a state line. Our state specific life settlement guides are built to answer the exact questions policyowners have where they live.

Each guide is written from the perspective of someone who works in the life settlement market every day, not from recycled summaries or outdated charts. We explain how the secondary market functions in your state, what carriers and policy types are commonly eligible, how age and health impact value, and what rules govern timing, rescission, and payment.