A life settlement can turn your dreams into reality.
Cash in your life insurance policy.
90% of individuals who surrender or lapse their life insurance policies are unaware that a better option exists
Lonnie Moss has over 40 years of experience in the life insurance industry and 20 years specifically in life settlements.
Lonnie is dedicated to finding smart, creative solutions to financial challenges, ensuring that his clients receive comprehensive and strategic advice tailored to their unique needs.
Lonnie has a proven performance record, evidenced by numerous testimonials from satisfied clients who have benefited from his services.
Moss Financial Services
A life settlement can turn your dreams into reality.
At Moss Financial Services, we believe in finding smart, creative solutions to financial challenges, and we’re here to help you navigate the world of life settlements—an opportunity that can turn your life insurance policy into a valuable asset that you can use now.
Contact us here or call 908-477-5417 to speak with expert Lonnie Moss.
Several factors determine if your life insurance policy qualifies for a life settlement.
General Criteria
While policies vary, here are some general criteria that buyers typically look for when evaluating a policy for a life settlement:
Age of the Insured
The insured’s age is an essential factor. Typically, policies for insured individuals who are 65 years or older are more likely to qualify for a life settlement. The older the insured, the more valuable the policy may be to potential buyers.
Health of the Insured
The insured’s health condition plays a significant role in determining eligibility. Life settlement companies assess life expectancy to gauge the potential investment return. Individuals with shorter life expectancies may receive higher offers.
Policy Face Value
Life settlements are usually more attractive for policies with higher face values, as they offer greater potential returns for investors. Policies with face values of $100,000 or more are often more appealing in the life settlement market.
Premium Costs
Policies with expensive ongoing premiums may be more appealing for a life settlement, especially if the policyholder is finding it challenging to keep up with the payments.
Life Settlements Featured On:
Selling your life insurance policy:
Essential Steps
- Share about you and your policy in a brief manner.
- Assisting in determining policy's eligibility for selling is our aim.
- Our aim: Ensure maximum cash settlement for your policy's security.
Blog
Discover ample resources below to assess eligibility and decide on your suitability for a life settlement.
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A Legacy of Impact: Celebrating Lonnie Moss and Moss Financial Services’ Partnership with Big Brothers Big Sisters New York
For over six decades, Lonnie Moss has been a pivotal figure in the Big Brothers Big Sisters of New York community. His story is not just about mentorship but about how one relationship
Testimonials
Here’s what his clients have to say!
These are the personal views of a select group of Mr. Moss’ clients.
The opinions are not necessarily indicative of future performance or results.
Learn How To Sell Your Unwanted Life Insurance Policy For Cash
Please complete the form below to get your Free Guide and take the next step toward selling your policy. Your policy must have a benefit amount of $100,000 or more to qualify.
You can get a cash payout from your policy if it no longer serves a purpose for you. Complete the form below to get your Free Guide instantly and learn more, or call 908-477-5417 to speak with an expert.
FAQ
Frequently Asked Questions
Our expert team will collaborate with you to offer a policy value estimate. The assessment of your policy’s worth considers factors such as age, health, policy size, and premium cost. Completing our brief form with minimal information takes just minutes and grants you a complimentary estimate.
In the process of selling a life insurance policy, options include engaging a provider, broker, or life settlement company. Providers are third-party entities and investors that directly purchase policies, yielding a single offer. Alternatively, opting for a broker means access to multiple offers through various providers. For optimal outcomes, collaborating with a life settlement company like Moss Financial Services is recommended. Their extensive network of providers and brokers ensures you receive the maximum offers and highest policy value.
Initiating the policy sale is effortless – just respond to a brief self-assessment. Kickstart the process in under five minutes by completing our form. Once done, expect our prompt contact with comprehensive details regarding your policy’s value.
Absolutely, at Moss Financial Services, we ensure complete confidentiality of all interactions and information shared with our clients. Your data will never be disclosed or traded with any external parties. The details you provide enable us to link you with the most suitable buyer in your vicinity.
Moss Financial Services offers a complimentary, risk-free consultation to explore your choices for selling your life insurance policy. Opting for a life settlement enables you to receive a lump sum of cash, giving you flexibility in its use.
