We help policy owners sell to a licensed, regulated buyer. No cost, no obligation, and a specialist walks you through everything by phone.
Prefer to talk to a real person?
(800) 229-5344
Your information is private and secure.
The truth most people miss
Many policy owners think the only choices are to keep paying or walk away with nothing. There is a third. A life insurance policy can often be sold to a licensed buyer.
Who can sell
It is not just about age. Sell it, settle it, or replace it. Almost every policyowner has an option.
If you no longer need the coverage, you may be able to sell it to a licensed buyer instead of canceling it.
Often 65 and olderA serious change in health can make a policy sellable at any age, even term. This path is not about how old you are.
Any ageIf selling is not the fit, our licensed team can swap an old or costly policy for coverage that fits your life today.
Everyone elseStraight answers
No spin and no fine-print surprises. Here is exactly what Oaken Hills does, and what it does not do.
Oaken Hills connects you with a licensed, regulated buyer. The offer to purchase your policy comes from that buyer, not from us.
There is no fee to speak with a specialist or to receive an offer. You never pay anything to find out where you stand.
Nothing moves without your written approval. Review your options, take your time, and walk away whenever you want.
We work only with licensed, regulated buyers. Never anonymous bidders, and never an offer you have not seen in writing.
We will not flash a fake instant number at you. No honest calculator exists for this, so a licensed specialist reviews the real details with you.
Selling a life insurance policy is regulated at the state level. The purchase is handled by a licensed buyer who has to follow those rules.
What you built
Maybe the kids are grown. Maybe the need has changed. If the coverage no longer fits your life, it is worth understanding the options you have.
Speak With a SpecialistWhat buyers review
Every policy is different. A licensed buyer weighs several things together. No honest calculator can guess it, which is why a real conversation matters more than a number on a screen.
The face amount, or death benefit, of your policy.
Whole, universal, survivorship, group, or convertible term.
How much it costs to keep the policy going.
One of several factors, not a wall. Health can matter more.
A change in health since the policy was issued can matter, sometimes more than age.
Any savings in the policy and any money borrowed against it.
How it works
Tell us how to reach you. A licensed specialist follows up. Free, no obligation.
A specialist gathers basic details about your policy and your situation.
A licensed specialist explains your options by phone. If selling fits, a licensed buyer is involved. If not, we point you to a better path.
No pressure. Accept the offer, choose another option, or walk away at no cost.
Choose to sell and a licensed buyer handles the rest. The choice is always yours.
Side by side
Three ways to exit a policy you no longer want. They are not the same, and the differences are worth understanding.
Our promise
See your options and walk away any time. The review is free.
Your details are used only to find your best option.
Offers come from licensed buyers, not anonymous bidders.
It starts with one conversation
You are one simple conversation away from finding out what your policy could be worth. We can often talk within a day or two. No cost, no pressure, and for some people the answer is life changing.
Questions
No. Speaking with a specialist about your options is free. Move forward only if it is right for you, and walk away any time at no cost.
Not necessarily. Selling is most common at 65 and older, but a serious change in health can make a policy sellable at any age. If selling is not a fit, we can help you replace your coverage instead.
Whole life, universal life, survivorship, and group policies commonly work. Term can work too if it converts to permanent coverage, or if there has been a serious change in health.
A licensed buyer. We help you qualify and connect you. The offer comes from the buyer, and you are never obligated to accept it.
Canceling gives you the surrender value, which is often very little. A sale works differently, and a licensed specialist can explain how on your call.
Then selling is not the right move, and that is good to know. Our licensed team can help you replace it with coverage that fits better, sometimes for less.
Yes. Your details are used to find your best option and connect you with a licensed buyer. Nothing happens without your say-so.
For financial professionals
Advisors, accountants, agents: if a client is about to surrender or lapse a policy, there may be a better option. Let's talk.
Any age. Any policy. Free, private, and no obligation.
Request a Call