Cash for your unwanted life insurance policy

About Us Can I Sell My Policy?
Life insurance is an asset
Find out how much your policy is worth
Free No obligation Appraisal
CIGI Direct

CIGI Direct   888.822.1313

Your life insurance policy is a valuable asset. Our goal is to maximize the value of that asset for you. CIGI Direct is one of the oldest and most respected life insurance brokerage agencies in the country. We work with the top Life Settlement buyers in the nation to ensure that you get the best value for your policy. We have decades of combined experience in life insurance and you can be assured you are in good hands. Before you lapse that term, universal, or whole life policy, contact us for a free appraisal and to see if a Life Settlement is appropriate for you.
Life Insurance is an Asset

All types of life insurance, term, universal or whole life can have market value much like real estate or equities.

Don't Lapse Your Policy!

If you believe you no longer need your life insurance policy, it is important to pause before allowing a lapse or surrender. Your policy may have hidden value!

Get an expert appraisal

We should appraise your Life Policy to determine the current market value in a life settlement. This value would disappear forever if your life policy were to lapse. An appraisal is valuable information.

Case Study

Consider the case of a 77 year-old who could no longer afford her universal life insurance. Instead of letting the policy lapse and receiving nothing, she received a cash payout of $137,000 through a Life Settlement.

Request a Free Appraisal

Check out some actual life settlement cash payouts we have delivered to our customers.

Actual Cash Payouts

About Us

We will work to get you the highest possible cash life settlement payout for your unwanted life insurance policy.
Delivering value for our customers since 1986.

For over 30 years we have been training and advising other insurance experts. In other words, CIGI is the expert to the experts. We bring this knowledge, history, reputation and ability in life insurance to you, our retail customer.

CIGI has tens of thousands of customers all over America. We are one of the nation’s largest independent sources for life insurance. We take the responsibilities we have to you our customer, our employees and our community very seriously.

Often, owners of Life Insurance policies have outgrown the need for their life insurance. Many of those life insurance policies can be resold to institutional investors for cash in what is known as a 'Life Settlement'. Even term life insurance, which has zero ‘cash value’ can often be resold. With our experience, reputation and ability, we will rapidly secure top cash offers from the major sources.

  • Lapsing Term?

    Unleash the hidden value in your Term Life Insurance policy before you let it lapse.

  • Free Appraisal

    On ANY inforce life insurance!

  • Value in All Types

    All types of life insurance, term, universal, or whole life can have market value much like real estate or equities.

  • Cash For Your Policy

    We will work to get you the highest cash payout for your life isurance policy.

Don't lapse your policy without an appraisal!

$900 Billion

Face amount of policies lapsed every year.

88%

Of Universal Life insurance policies lapse with no claim.

4.5%

Of all life insurance policies lapse every year.

$134 Billon

Potential Life Settlement Payouts.

Would you like to find out how much your policy is worth?

Evaluate My Policy

Welcome

A word from our founder

As founder of CIGI Direct Insurance Services in 1986 and later, Eterm.com, I truly believe the very concept of Life Insurance is a unique achievement of modern society. With Life Insurance, we gift to our loved ones our continued financial support after we have returned to our Creator.

Your existing Life Insurance is of special value to you and may be important to keep in force. We will consult with you to maximize the value of your policy, whether you keep your life insurance policy or sell it for cash.

If you believe you no longer need your Life Insurance Policy, it is still important to pause before allowing a lapse or surrender. Among other considerations, we should appraise your Life Policy to determine the current market value. All types of life insurance, term, universal or whole life can have market value much like real estate or equities. However, this market value would be gone forever if your Life Policy were to lapse. An appraisal is valuable information. Consider the case of a 71 year-old policyowner who could no longer afford his term insurance. Instead of letting the policy lapse and receiving nothing, he received a cash payout of $195,000 through a Life Settlement.

Kindest Regards,
J Robert Hightower

Life Settlement Payouts

We have worked with thousands of customers. Here are some examples of cash payouts our customers have received for their unwanted life policies.
Examples are based on actual cases submitted to CIGI Direct Insurance Services, Inc., and are solely intended to demonstrate the potential benefits of life settlement transactions.
These examples should not be used as an indicator of the purchase price any funder will pay for a specific life insurance policy.

Are you eligible?

We work to get the highest possible cash life settlement payout for every policy.
Our experience has enabled us to secure offers even on very difficult cases.

Eligibility Requirements:


 
  • Minimum face amount of $50,000
  • Insured age 65 or older, OR
  • Insured of any age with a life-threatening medical condition
 
Even if you don't qualify for a Life Settlement, please feel free to call us for assistance with your Life Insurance.
Whether you need to extend your coverage, add more life insurance, or explore a new policy, give us a call.
We are your Life Insurance Experts.
888.822.1313

Get a free appraisal

Drop us a message, and get a free, no-obligation appraisal of your life insurance policy.
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