Life Settlement Regulatory Map
State-by-state guide to life settlement regulations, licensing requirements, and consumer protections.
43
States with regulation
7
States with no specific law
15 days
Most common rescission period
Interactive Life Settlement Regulation Map by State
Click any state on the map to view regulatory details. Hover for a quick summary.
Understanding Regulatory Terms
Broker Licensing
Most regulated states require life settlement brokers to hold a specific license, separate from a general insurance license. This ensures professional standards and consumer protections.
Disclosure Requirements
Regulated states mandate that brokers provide written disclosures to policyholders explaining risks, alternatives, tax implications, and the broker's fiduciary duty.
Rescission Period
A window after closing (typically 15–30 days) during which the policyholder can cancel the settlement and have the policy returned, no questions asked.
Waiting Period
Many states require a policy to be in force for a minimum period (typically 2–5 years) before it can be settled. Exceptions often exist for terminal illness or major life changes.
Curious About Your State's Eligibility?
We operate in all states where we are licensed. Contact us to confirm eligibility and get started.
Regulatory information is provided for general reference. Consult your state's Department of Insurance for the most current requirements. See our disclaimer.