Business Details
Trusted Life Settlement Services in Boca Raton
With over four decades of experience in the financial services industry, we have established ourselves as trusted advisors in life settlement solutions. Our firm specializes in helping policyholders convert unwanted life insurance policies into immediate cash value, providing financial flexibility for retirement, long-term care, and estate planning. We work closely with financial professionals, CPAs, and estate planning attorneys to deliver tailored solutions that align with clients' evolving needs.Our commitment to education and personalized service differentiates us in the life settlement industry, ensuring clients receive maximum value through transparent, ethical transactions. We also offer specialized programs for charities to monetize donated life insurance policies, providing immediate funding for organizational goals.
Services
Life Settlements
Charitable Life Settlements
Professional Referral Programs
Retirement Planning Solutions
Long-Term Care Funding
Highlights and features
- 40+ years of experience in financial services and life settlements
- Specialized programs for charities to monetize donated policies immediately
- Higher payouts than cash surrender values through competitive bidding
- Personalized guidance from industry-certified professionals
- Tax-efficient solutions for policy liquidation and estate planning
Associations and certifications
- Life Insurance Settlement Association (L.I.S.A.)
What people say
Guided through every step
Never disappointed
More professional
Five figures more
Cash for policy
Services
Life Settlements
We facilitate the sale of unwanted life insurance policies for cash payouts exceeding surrender values. Our process connects policyholders with investors to maximize returns while ensuring compliance with industry regulations. Clients receive personalized evaluations to determine eligibility based on age, health, and policy terms.
Charitable Programs
Our charitable life settlement program helps organizations monetize donated policies immediately. We provide cash instead of waiting for policy maturity, while also offering annual servicing for existing charity-owned policies to optimize financial planning and donor relations.
Professional Referrals
Financial professionals access commission opportunities through our referral program. We equip advisors with tools to help clients liquidate policies tax-efficiently while maintaining renewal income streams through replacement policies.
Retirement Planning
We help seniors convert life insurance assets into retirement funding. Our solutions address mortgage payoff, travel plans, and long-term care costs while maintaining compliance with tax regulations and estate planning objectives.
Long-Term Care Funding
Our life settlement solutions provide liquidity for long-term care expenses exceeding insurance coverage. We help clients access policy value to cover nursing home costs, home healthcare, and assisted living facilities through ethical transactions.
People
Saul Appel
Founder
With over 40 years in financial services, Saul pioneered life settlement solutions for seniors and professionals. His expertise in policy liquidation and commitment to client education established Appel Life Settlements as an industry leader.
Questions
What is a life settlement?
A life settlement involves selling your life insurance policy to an investor for cash, typically yielding higher returns than surrendering it to the insurer.
Who qualifies for life settlements?
Policyholders aged 70+ or those with significant health issues generally qualify for life settlement programs.
How much can I receive?
Payouts often reach four times the policy's cash surrender value through competitive investor bidding processes.
How long does the process take?
Most transactions complete within 90-120 days after submitting required documentation and medical records.
Are life settlements tax-deductible?
Proceeds receive favorable tax treatment as capital gains rather than ordinary income in most cases.
Can charities benefit from life settlements?
Yes, our program provides immediate cash for donated policies instead of waiting for policy maturity.
