Your life has changed.
Is your life insurance policy still right for you?
Discover what your life insurance policy could be worth does your life insurance policy meet your needs today?. Honest guidance. No pressure. Just clear answers.
Your life insurance policy is more than protection. It’s an asset.
A life settlement allows you to sell a policy you no longer need or that no longer fits your plans, turning its value into funds you can use today.
A New Purpose
You bought your policy to protect the people you love. Today, it may be able to support you in new ways.
Your policy may be worth more than you think. It could provide financial freedom, support your family's needs, and give you more choices.
Is Your Policy Still Working for You?
Life changes—and sometimes the reasons for having your life insurance policy change too. If any of these scenarios sound familiar, it may be worth exploring your options.
- You no longer need the same level of coverage.
- Premium payments have become difficult to afford.
- Your financial priorities have changed.
- Your family or estate planning needs are different today.
- Your term policy is approaching expiration.
- You simply want to understand what your policy may be worth.
A clear process,
from start to finish.
Exploring the value of a life insurance policy doesn’t have to be complicated. Nova guides you through every step, so you can understand your options and make an informed decision.
Tell us about the policy
Answer a few simple questions. It only takes about a minute.
Receive a confidential, free estimate.
We'll prepare an estimated policy value based on the information you provide.
Let's Talk.
We'll help you understand your options so you can make the decision that's right for you.
No pressure.
No cost.
No obligation.
Just honest guidance.
Discover your policy’s value
An important decision deserves expertise and care.
A life settlement involves more than a policy. Nova combines knowledge, clarity, and personal guidance to help you understand your options and make a confident decision.
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Why Do People Trust Nova?
We take the time to understand your situation, explain your options clearly, and help you make the decision that's right for you. Every conversation is guided by honesty, respect, and genuine care. No pressure tactics.
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Why Now?
Life changes. Your financial needs and priorities change too. Understanding your life insurance policy options today gives you more freedom tomorrow.
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The Nova Experience
The team behind Nova has guided thousands of Life Settlement transactions over the years. That experience shapes every conversation we have—focused on honest guidance, clear answers, and helping you make the decision that's right for you.
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What you can expect from every conversation
• Never pressured. Always informed.
• Thoughtful guidance tailored to your situation.
• Clear answers from start to finish.
• A better understanding of your policy and your options.
We provide the tools so that you can make the decision that’s right for you.
Frequently Asked Questions
Questions are part of making a confident decision.
Here are answers to some of the most common questions about life settlements and what to expect from the process.
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What Exactly Is a Life Settlement?
In a Life Settlement, you sell your life insurance policy to a third-party buyer for a lump sum payment. The buyer takes over future premium payments and collects on the policy when the time comes. Think of it this way: instead of letting a life insurance policy go unused (lapsed or surrendered), you may be able to sell the policy to a qualified buyer for more than its cash surrender value (up to 9 times more ). Whether it's the right option depends on your unique situation—and that's exactly what we'll help you understand.
[1] Based on the Life Insurance Settlement Association (LISA) 2025 annual market data, consumers who sold their life insurance policies through a LISA member received nearly nine times their cash
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Does It Cost Anything to Find Out What My Policy Is Worth?
No. Your policy review and estimated valuation are completely free and come with no obligation. Our goal is simply to help you understand your options, so you can decide what's right for you.
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How Much Could My Policy Be Worth?
Every policy is different. Its value depends on factors such as your age, health, policy type, and coverage amount. Many policies are worth significantly more than their cash surrender value, and we'll provide a confidential estimate at no cost or obligation. You can also try our life settlement calculator tool [insert the hyperlink] and get a policy valuation estimate in a few clicks.
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Can I Sell a Term Life Insurance Policy?
Yes! Term policies may qualify, particularly if your policy includes a conversion option. We'll review your policy and explain your options clearly, so you know exactly what's possible.
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How Does the Process Work?
It starts with a simple, confidential policy review. If your policy qualifies, we'll guide you through every step—from gathering the necessary information to presenting any offers you receive. You'll always be in control of the decision.
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What Information Do You Need?
We'll ask for some basic information about your policy and, if needed, your medical records to evaluate its potential value. We handle as much of the process as possible, making it simple and straightforward for you.
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Will My Insurance Company Know?
Not at first. We can obtain much of the information we need on your behalf. Your insurance company is only notified if you choose to move forward with a Life Settlement.
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What If I'm Not Ready to Sell?
That's perfectly okay.
Many people simply want to understand what their policy may be worth before making any decisions. Your policy review is completely confidential, free of charge, and comes with no obligation. -
Who Buys My Policy?
If your policy qualifies for a Life Settlement, it will be purchased by an institutional investor, not an individual. You don't need to become an expert in the process—that's our job. We'll guide you through every step and make sure you understand your options before making any decision.
Discover what your policy could be worth.
Understanding your options starts with a simple conversation. Answer a few questions to receive a confidential estimate free, with no obligation, in about one minute.
Get My Free Estimate
Your information helps us better understand your policy and guide you through the next steps.