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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? It’s called a life settlement, and it has been revolutionizing the financial landscape, providing individuals like you with a unique chance to unlock the hidden value of life insurance policies.

By selling your policy to a third-party investor, you can receive a lump sum payment that exceeds the cash surrender value offered by your insurance company.


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.

A Retired Chartered Accountant Shares His Story

A Life Settlement provided the much needed funds to take care of his ailing wife

When Morris’ wife became sick 10 years ago, she required a caregiver. The cost of the caregiver ate up their savings requiring Morris to become his wife’s primary caregiver.

After an exhaustive search to find a solution, he discovered the Life Settlement. Morris was able to sell his life insurance policy and received the funds he needed to provide the care that his wife needed. 

Hear Morris share his story in his own words…

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

Operations Office:
10 Four Seasons Place, Suite 401
Toronto, Ontario
M9B 6H7

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

Canadian Life Settlements

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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