If you are considering selling your life insurance policy, you need to get all the information you can. Open Life Settlements stands ready to help -- we believe that informed consumers will choose us for their life settlement needs.

Here is our advice in a nutshell:

• Download our free consumer guide to learn the basics of life settlements.
• Use our calculator to get an instant estimate of how much your life insurance policy might be worth if sold in a life settlement.
• Get a copy of your policy and an "in-force illustration" so you understand your policy.
• Retain an independent life settlement broker to evaluate your case and seek multiple offers for your policy.
• Choose a broker which has all of six indicators of quality.
• If you have any questions, simply fill out the contact form below, or call us toll-free at 866.877.4054.

Let's look at each of these steps in more detail:

First, we suggest that you familiarize yourself with the basics of life settlements. Download our free consumer guide and read it thoroughly.

Second, you should use our life settlement estimator to instantly see how much your policy could be worth. The estimator returns the maximum possible value of your policy on the open market. Although the results are only an estimate, using the estimator is quick, easy, and does not require you to enter any personal information.

Third, think about whether a life settlement really makes sense for you. Our consumer guide has a number of pros and cons you should consider. One often overlooked step in this process is to obtain a complete copy of your policy and an "in-force illustration" of your policy through age 100. You can't make a rational decision about your policy without knowing what its terms are and how it works. The policy document and in-force illustration -- both of which you can obtain from your insurance company -- will give you this information. If you don't know how to get these documents, simply contact us for help.

Fourth, if you decide to seek offers for your policy, retain an independent life settlement broker, such as Open Life Settlements. Why do you need a broker? Well, would you sell your house or car at an auction with one bidder? Of course not. Attempting to sell your policy through an agent who works for one life settlement provider means you will get only one offer for your policy. A life settlement broker works with many (often scores) of life settlement providers, and will obtain multiple offers for your policy from reputable sources. This means you will get more money for your policy.

Fifth, make sure the broker you retain:

• Represents you as a fiduciary, and not an investor or provider.
• Is a broker with access to all of the life settlement providers in your state.
• Works only with reputable, institutional investors and not private parties.
• Does not buy life policies for itself.
• Has an anti-fraud plan.
• Will disclose all offers and the broker's commission on these offers to you.

We hope these tips are helpful to you. We encourage you to fill out the contact form below, or call us toll-free at 866.877.4054, if you have any questions or require our services.