Find your state on the map

Every state guide is now live. Click your state to open its in-depth guide. Tiles are colored by state-level consumer-protection strength.

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Strongest protections (dual 30/15-day rescission) Strong protections (standard model framework) Verify current rules with state regulator

Life settlements are regulated state by state. The basics — who qualifies, what the contract has to include, how long you have to change your mind, who can act as a broker or provider — look different depending on where you live. The 50 guides below are written specifically for policyholders in each state. Each one covers: who regulates it, the rescission (“free-look”) window state law guarantees, who tends to qualify, state-specific tax considerations, and the other options worth understanding before any irreversible decision.

Browse all 50 state guides

Want a side-by-side comparison?

Use the State Comparison Tool to compare any two states’ rules at once, or see the Pine Lake Protection Index for the consumer-protection ranking that drives the map colors above.

A confidential next step

Curious whether your policy may fit? The Private Policy Check is fully confidential, no name required to start, and gives you a sense of whether a settlement review is even worth pursuing in your state.

Educational use only. State rules change; verify current requirements with your state’s insurance department. Pine Lake does not purchase life insurance policies.