New Hampshire life settlements, explained. New Hampshire residents — across Manchester, Nashua, Concord, and the seacoast — often hold permanent life insurance. Here’s how New Hampshire regulates life settlements.
Is a life settlement legal in New Hampshire?
Yes. Life settlements are legal and regulated in New Hampshire. Life settlements in New Hampshire are governed by New Hampshire Revised Statutes Chapter 408-D (Viatical Settlements) and overseen by the New Hampshire Insurance Department.
New Hampshire life settlement rules at a glance
- Regulator: New Hampshire Insurance Department.
- Governing law: New Hampshire Revised Statutes Chapter 408-D (Viatical Settlements).
- Licensing: Providers and brokers must be licensed by the New Hampshire Insurance Department.
- Rescission (“free-look”) period: New Hampshire follows the model framework — verify the current statutory window with the NH Insurance Department.
- Privacy: Personal and medical information is protected.
Why New Hampshire residents look into selling a life insurance policy
Manchester, Nashua, Concord, and the seacoast host New Hampshire’s 65+ population.
Who typically qualifies in New Hampshire
- Age 65 or older — or younger with significant health changes.
- Permanent policy (whole, universal, or variable) or convertible term.
- Face value of $100,000+.
- Active policy past the two-year contestability period.
New Hampshire tax considerations
Important: New Hampshire has NO state personal income tax on wages (interest/dividend tax has been phased out), which can affect the after-tax outcome. Pine Lake does not provide tax advice; consult a qualified New Hampshire tax professional. See IRS Revenue Ruling 2009-13.
Other options to understand first
- Keep the policy if still needed and affordable.
- Premium optimization, accelerated death benefit, policy loan, or surrender.
- Life settlement through licensed New Hampshire channels.
How a confidential New Hampshire policy review works
Pine Lake does not buy policies. We coordinate introductions to professionals licensed by the New Hampshire Insurance Department. See How It Works or the Education Center.
New Hampshire life settlement FAQs
Are life settlements legal in New Hampshire?
Yes. Life settlements are legal and regulated in New Hampshire. Providers and brokers must be licensed.
How long is the rescission period for a life settlement in New Hampshire?
New Hampshire follows the model framework — verify the current statutory window with the NH Insurance Department.
Who typically qualifies for a life settlement in New Hampshire?
Eligibility depends on the policy and the insured. Most candidates are 65+, hold a permanent policy, and have a face value of $100,000+.
What types of policies can be sold in New Hampshire?
Most settlements involve permanent policies (whole, universal, variable). Convertible term may qualify.
Will I owe taxes if I sell my New Hampshire life insurance policy?
There may be tax consequences. Consult a qualified tax professional. See IRS Revenue Ruling 2009-13.
Could selling my policy affect Medicaid or other public benefits?
It can. Consult a qualified legal or benefits professional before proceeding.
Does Pine Lake Life Solutions buy life insurance policies?
No. Pine Lake provides education and coordinates introductions to licensed professionals.
Authoritative resources for New Hampshire policyholders
- New Hampshire Insurance Department — verify any licensee here.
- New Hampshire Revised Statutes Chapter 408-D (Viatical Settlements)
- NAIC — Life Settlements
- IRS Revenue Ruling 2009-13
Compare with other states
Life Settlements in Massachusetts | Life Settlements in Maine | All state guides →
Educational use only. Information current as of May 2026; verify with the New Hampshire Insurance Department.