How Can I Sell My Term Life Insurance Policy? 
You would need to start by contacting a life insurance agent who can assist you in being evaluated for a life settlement . I say contact an insurance agent because he/she may have other options to help you reach your goals or free up some extra cash -LRB- e.g. reducing the face amount -RRB- . If a life settlement does appear to be the best choice , you will be evaluated for life expectancy , and your policy will be evaluated for features that make it desirable to viatical investors . Life settlements work the opposite of life insurance : the shorter it appears you have left to live , the more money your policy is potentially worth to investors . Term policy has no cash value , so investors will only be interested in a policy that has more years left than you are expected to live , and/or is able to be converted to a permanent policy . 