Serving the Sunshine State with Integrity
Life Settlement Advisors and Insurance Solutions in Florida
Welcome to Life Settlements Florida
At Life Settlements Florida, we help policyholders throughout the Sunshine State convert their life insurance policies into cash. Founded in 2010 by John Harrison, a seasoned financial advisor, our firm was built on integrity, transparency, and a commitment to client-first representation.
We work exclusively for policy owners, not buyers, to secure the highest life settlement payout possible through a competitive bidding process among licensed institutional buyers.
Our Services
We represent Florida life insurance policy owners, not the buyers, to secure the highest life settlement payouts.
Life Settlement Quote
Sell your life insurance policy for cash with confidence. We create competition among multiple licensed buyers to help you receive the best possible market value.
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Viatical Settlement Quote
For clients facing chronic or terminal illness, a viatical settlement provides immediate financial relief. We handle the process with compassion, care, and confidentiality.
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Life Insurance Appraisal
Discover your policy's true worth. Our certified appraisals give you accurate valuations so you can make informed decisions about selling or keeping your coverage.
Learn More →Why Choose Life Settlements Florida?
A Fiduciary Standard You Can Trust
Our duty is to act solely in your best interest. You'll receive unbiased advice and complete transparency -- never pressure or hidden fees.
We Maximize Your Policy's True Value
Through our exclusive buyer network, we create competitive bidding to drive the highest cash offers for your life insurance policy.
Local Experts, Personal Service
As Florida-based advisors, we understand state regulations, market dynamics, and the financial concerns of local policyholders.
A Calm, Clear, and Compassionate Approach
Selling your policy can feel unfamiliar. Our team walks you through every step -- clearly, patiently, and confidentially.
Meet Our Team
Our dedicated Florida team brings decades of experience in finance, policy valuation, and client relations.
John Harrison
Founder & CEO
Founded Life Settlements Florida in 2010 with a vision to offer Floridians a transparent, client-first approach to life insurance policy management. A seasoned financial advisor known for integrity and dedication.
Sarah Martinez
Chief Operations Officer
Over 15 years of experience in financial services and client advocacy. Expertise in policy valuation ensures smooth operations and the highest level of service.
Michael Chen
Senior Policy Analyst
University of Florida alumnus with a background in actuarial science. Delivers precise policy appraisals and comparisons with keen analytical skills and attention to detail.
Jane Thompson
Client Relations Manager
A warm and approachable advisor trusted by families throughout Tampa and the Gulf Coast. Dedicated to creating a seamless and supportive client experience.
Together, we ensure your life settlement experience is smooth, secure, and rewarding.
Frequently Asked Questions
What is a life settlement?
A life settlement is the sale of an existing life insurance policy to a licensed third-party buyer for more than the policy's cash surrender value but less than its net death benefit. It provides policyholders with a lump-sum cash payment in exchange for transferring ownership of the policy.
How much can I get for my policy?
Every policy is unique, but Florida life settlement payouts often range from 10-40% of the death benefit, depending on your age, health status, policy type, and remaining premiums. Our team creates competitive bidding among multiple licensed institutional buyers to maximize your payout.
Is it legal to sell my life insurance policy in Florida?
Yes. Florida has strong regulations protecting policyholders in life and viatical settlements under the Florida Life Settlement Act. Only licensed providers and brokers may purchase policies, ensuring transparency, fair dealing, and consumer protection throughout the process.
Who do you represent -- buyers or sellers?
We represent you, the policy owner. Our fiduciary role means we never work for or get paid by the buyers. We act solely in your financial interest, creating competition among buyers to drive the highest cash offer for your policy.
Serving All of Florida
We provide life settlement services across 18 major metropolitan areas throughout the state of Florida.
Cash for Policies, Peace of Mind
Ready to explore your options with Life Settlements Florida? Our team is here to help. Contact us today to schedule a consultation and discover how we can assist you in unlocking the value of your life insurance policy.
Free — no obligations