State Guides
Life Insurance Education Center
Comprehensive educational resources about life insurance policy options, regulation, taxation, and financial considerations.
Featured Guide
What Is a Life Settlement?
The Complete Guide to Understanding Life Settlements, Regulation, Eligibility, Risks, and Alternatives.
A comprehensive educational guide covering how life settlements work, who may qualify, regulatory protections, tax considerations, risks, and available alternatives before surrendering a life insurance policy.
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What Is a Universal Life Insurance Policy and Can It Be Sold?
Universal life insurance is generally eligible for sale through a regulated life settlement. This guide covers how each variant of
Medicaid Spend-Down and Life Insurance: A Practitioner’s Guide
How life insurance interacts with Medicaid spend-down planning: countable resource rules, the 60-month look-back, fair-market consideration, and the surrender-vs-settlement-vs-hold analysis.
Trust-Owned Policies: ILITs, Crummey Powers, and the Settlement Decision
An attorney's reference on trust-owned life insurance policies: trustee duties when the policy outlives its planning purpose, Crummey notice mechanics,
Tax Treatment of Life Settlements: An Attorney’s Reference (Post-TCJA)
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How to Convert Term Life Insurance to Permanent Coverage
Many term policyholders can convert term life insurance to permanent coverage without a new medical exam, if they act before
7 Retirement Planning Benefits of Selling Life Insurance
Could selling a life insurance policy you no longer need strengthen your retirement plan? Here are seven ways a life