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  2. Does It Make Sense to Sell Your Life Insurance Policy?

    www.aol.com/news/2010-12-24-life-insurance...

    Before life settlements, if you owned a life insurance policy that you no longer wanted or needed, you had two choices: surrender the policy for its cash value or allow it to lapse.

  3. Life settlement - Wikipedia

    en.wikipedia.org/wiki/Life_settlement

    A life settlement or viatical settlement (from Latin viaticum, something received before death) [1] is the sale of an existing life insurance policy (typically of seniors) for more than its cash surrender value, but less than its net death benefit, [2] to a third party investor. [3] Such a sale provides the policy owner with a lump sum. [4]

  4. How to cancel a life insurance policy

    www.aol.com/finance/cancel-life-insurance-policy...

    When you surrender a permanent life insurance policy, you may receive a payout from the cash value, but this is often reduced by surrender charges, especially if you haven’t held the policy for ...

  5. Should I Choose a Life or Viatical Settlement? - AOL

    www.aol.com/choose-life-viatical-settlement...

    The ins and outs of life insurance can be complex. That can be especially true if you want to sell your life insurance policy. There are two types of settlements: life settlements and viatical ...

  6. Cash value - Wikipedia

    en.wikipedia.org/wiki/Cash_value

    The determination of the cash value, both the base amount and the applicable surrender charge, in the contract can be explicit by determining the value for each surrender date (guaranteed cash values), by referring to the value of specific investments or subject to the discretion of the insurance company, which is often executed to bring cash values in line with values of the investments of ...

  7. Life insurance - Wikipedia

    en.wikipedia.org/wiki/Life_insurance

    Permanent life insurance is life insurance that covers the remaining lifetime of the insured. A permanent insurance policy accumulates a cash value up to its date of maturation. The owner can access the money in the cash value by withdrawing money, borrowing the cash value, or surrendering the policy and receiving the surrender value.

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