It’s easy. Call us or fill out our short online form to get a free, no-obligation life settlement quote. We’ll review your policy details, provide a transparent valuation, and explain your options clearly.
At Florida Life Settlement Advisors, we are dedicated to helping you unlock the hidden value in your life insurance policies. Founded in 2010 by John Ramirez, our company is nestled in the heart of Miami, where we have grown into a trusted partner for many Floridians. Our mission is to provide transparent, client-focused solutions that empower individuals to make informed decisions about their financial futures.
Florida Life Settlement Advisors was born from a desire to assist Floridians in realizing the potential of their life insurance policies. John Ramirez, our founder, is a seasoned financial expert with over 20 years of experience in the financial sector. With an MBA from the University of Florida, John is passionate about helping clients achieve financial freedom. Our team is dedicated to delivering exceptional service and personalized solutions to each client we serve.
We offer a comprehensive range of services designed to help you make the most of your life insurance policy:
Unlock the value of your life insurance policy with our life settlement services. We help you navigate the process of selling your policy for a cash payout, providing you with financial flexibility and peace of mind.
If you are facing a terminal illness, our viatical settlement services offer a compassionate solution to access funds quickly, ensuring you can focus on what matters most during challenging times.
Our expert team provides thorough appraisals of your life insurance policy, giving you a clear understanding of its current value and potential benefits.
We offer programs that allow you to sell your life insurance policy for cash, providing you with immediate financial resources to meet your needs.
Our policy valuation and payout comparison services ensure you receive the best possible value for your policy. We analyze market trends and provide you with detailed comparisons to help you make informed decisions.
Ready to sell your life insurance policy? Our team guides you through every step of the process, ensuring a smooth and efficient transaction.
John Ramirez - Founder & CEO
A Miami native, John is committed to helping clients achieve financial freedom through innovative solutions.
Sarah Thompson - Senior Policy Analyst
With a degree in Finance from Florida State University, Sarah brings a keen eye for detail and expertise in policy evaluation.
Michael Lee - Client Relations Manager
Known for his excellent communication skills, Michael is dedicated to ensuring client satisfaction.
Emily Chen - Marketing Director
Emily’s creativity and strategic thinking drive our marketing efforts, helping us reach and serve more clients.
Choosing Florida Life Settlement Advisors means choosing a partner dedicated to transparency, integrity, and client satisfaction. Here’s why we stand out:
We believe in giving back to the community that supports us. Florida Life Settlement Advisors is proud to support local charities and initiatives that reflect our commitment to bettering the lives of our neighbors.
Ready to explore the value of your life insurance policy? Have questions about our services? We’re here to help. Contact us today to learn more about how Florida Life Settlement Advisors can assist you in achieving your financial goals.
Thank you for considering Florida Life Settlement Advisors as your trusted partner in financial services. We look forward to serving you and helping you unlock the potential of your life insurance policy.
It’s easy. Call us or fill out our short online form to get a free, no-obligation life settlement quote. We’ll review your policy details, provide a transparent valuation, and explain your options clearly.
Most universal life, whole life, and convertible term life insurance policies qualify for a life settlement, provided the policyholder is typically over age 65 or has experienced a change in health. The policy’s face value, premium cost, and remaining coverage period also play a role in determining eligibility.
The life settlement process in Florida usually takes 30 to 90 days, depending on how quickly policy information and medical records are received. Working with a licensed life settlement advisor can help streamline the process, from appraisal to final payout.
In most cases, the proceeds from a life settlement may be subject to capital gains tax, depending on your cost basis and total payout. However, viatical settlements for individuals with terminal illness are generally tax-free under federal law. We always recommend consulting a tax professional for personalized guidance.
A life settlement involves selling your policy when you no longer need or can afford it, typically after age 65. A viatical settlement applies when the insured is diagnosed with a terminal or chronic illness and needs immediate funds. Both provide a lump-sum cash payout higher than the policy’s surrender value.
Ready to unlock your policy’s potential? Florida Life Settlement Advisors is just a call away. Let’s chat about getting you the best value for your life insurance!
(813) 212-2267