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Discover the Secret to Unlocking Hidden Wealth in Your Life Insurance Policy!

Are you aware that there’s a powerful financial tool available to you that could potentially transform your financial situation and secure your future?

Your life insurance policy can serve you beyond its original purpose. You can sell it for a one-time payment, exceeding what your insurance company offers. You also have the option to borrow against it or even finance your ongoing premiums. These options can offer you immediate relief and flexibility.


Here are just some of the ways that you could benefit from a life settlement:

Turn a Financial Burden into a Valuable Asset

If you find yourself struggling to keep up with the rising premiums or simply no longer need your life insurance policy, a life settlement could be the solution. Instead of letting your policy lapse or surrendering it for a fraction of its value, you can convert it into a substantial cash payment that can be used to fund retirement, pay off debts, or enjoy the things that matter most to you.

Maximize Your Policy’s Value

Did you know that many policyholders are unaware of the true value of their life insurance? Life settlements allow you to unlock the hidden potential in your policy and access a higher payout than what your insurance company might offer. Our team of experts specializes in evaluating policies and connecting you with qualified investors who are willing to pay a premium for your policy’s value.

Flexible Options for All Policy Types

Whether you hold a term, universal, or whole life policy, a life settlement can be a viable option for you.

Simple and Streamlined Process

Worried about complicated paperwork or lengthy procedures? Fear not! Our dedicated team of professionals will guide you through the entire process, making it as simple and stress-free as possible. From policy valuation to closing the transaction and receiving the funds,, we’ll handle all the details, allowing you to focus on what matters most to you.

Reford’s Journey: Turning a Policy into Prosperity for Retirement

A Life Settlement unlocked the value from his life insurance for a brighter retirement

Meet Reford MacDougall, a celebrated Quebecer and Order of Canada recipient. Facing the realities of a long retirement and the sting of inflation, Reford turned to Canadian Life Settlements. With us, he transformed his life insurance from a forgotten expense into a valuable asset, freeing him from costly premiums and enhancing his lifestyle.

Reford’s story isn’t just about financial gain—it’s about making empowered choices with lasting impacts. Canadian Life Settlements brought understanding, transparency, and care to his experience, proving that a life settlement can be more than a transaction; it can be a lifeline.

Hear how Reford redefined his retirement, providing a blueprint for other seniors seeking financial freedom.

Apply to get your policy valuation!


  • You must have one or more life insurance policies with a total death benefit (face value) of at least $100,000.
  • You must be either over the age of 70, or under age 70 and believe that you have a serious medical issue that will significantly impair your longevity.

Step 1: Enter Your Contact Information

All your information and answers will be kept strictly confidential and will not be shared with any non-authorized third parties.

Need help?

Call us: (438) 801-2611
Toll free: (866) 888-5456
Mon – Fri: 9.00 am – 5.00 pm

Head Office:
4388 rue Saint-Denis Bureau 200,
Montréal, Québec
H2J 2L1

Looking for More Information on Life Settlements and Life Advances in Canada?

Discover everything you need to know about monetizing your life insurance policy in our comprehensive Learning Center

Any questions left?


How does the Canadian Life Settlements program work?
Canadian Life Settlements has pioneered innovative financial solutions for individuals or companies who wish to utilize their life insurance assets now, in a manner that many don’t realize is possible. Canadian Life Settlements will review your existing life insurance policy(s) and determine if it can be used as collateral for an advance or if it is eligible for an outright sale. If you qualify, Canadian Life Settlements will offer you access to the Fair Value of your policy either through an advance or by purchasing your policy and in either case will take over the premium payments of your policy.
How is the amount of the Canadian Life Settlements advance or outright purchase determined?

The amount Canadian Life Settlements will pay you is based on several factors, including:

  • The projected life expectancy of the insured
  • The net death benefit of the life insurance policy
  • The projected amount of remaining life insurance policy premium payments
  • The type of policy and specific life insurance company

In most cases the amount Canadian Life Settlements will advance is considerably higher than the Cash Surrender Value that will be offered by your insurer, but is less than the policy’s death benefit.

Are there any restrictions on how I use the proceeds from my advance or outright sale?
No, there are no restrictions on how you use the funds advanced to you.  The money is yours to use as you wish.
How long does the Canadian Life Settlements process take?

There are several stages to the process. Generally, the Canadian Life Settlements process can provide you with a formal offer letter within five days of receiving a completed application and a verification of the eligibility and details of your life insurance policy.

Once you accept the offer, we will need to either change the life insurance policy’s ownership and beneficiary status to Canadian Life Settlements or, collaterally assign the policy to Canadian Life Settlements. This part of the process can take four to six weeks.  Once confirmation is received from the life insurance carrier, we can generally advance funds within two business days.

How will I receive my Canadian Life Settlements advance or the proceeds of sale to Canadian Life Settlements?

Once approved and processed, you will receive your advance either in a lump sum by cheque or wire to your bank, or periodic payments if that’s what you prefer with direct deposit to your bank account.

Who pays the premiums on my life insurance policy?
Canadian Life Settlements will take over payment of all remaining premiums on your life insurance policy whether you choose a Life Advance or a Life Settlement.
Are there fees associated with a Canadian Life Settlements advance or outright purchase?

Canadian Life Settlements offers a hassle-free program with zero application fees or extraneous expenses. An upfront fee is only required if medical underwriting is necessitated, but rest assured, this cost is fully reimbursed upon the successful completion of your life settlement transaction.

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