What Is a Life Settlement?
A life settlement is the legal sale of an existing life insurance policy to a licensed third-party buyer for a lump-sum cash payment. The amount you receive is typically more than the policy's cash surrender value, but less than its face value. Once the sale is complete, the buyer assumes ownership of the policy, takes over premium payments, and receives the death benefit when the insured passes away.
Life settlements are a federally recognized financial transaction and are regulated at the state level. In New Hampshire, the New Hampshire Insurance Department oversees and enforces the applicable rules. This secondary market gives policyholders a legitimate alternative to simply lapsing or surrendering a policy — often recovering significantly more value in the process.
To learn more about how this process works in general, visit our How It Works page.
Is Selling a Life Insurance Policy Legal in New Hampshire?
Regulated by: New Hampshire Insurance Department
Life settlements are legal and regulated in New Hampshire
New Hampshire's Insurance Department regulates life settlements in the state, requiring licensure of providers and brokers and establishing consumer disclosure and protection standards. New Hampshire's regulatory framework ensures that policyholders can access the secondary market with appropriate safeguards.
New Hampshire's tax environment can be favorable for life settlement sellers in certain circumstances. Residents should confirm the current state tax treatment of life settlement proceeds with a qualified tax advisor.
Licensing Requirements in New Hampshire
Life settlement providers and brokers must hold valid licenses from the New Hampshire Insurance Department. Licensing involves qualifications and compliance review, and licensees must maintain ongoing regulatory standards.
When working with LifeSettlementEstimate.com, you can be confident that we connect you only with licensed and vetted buyers and brokers who meet New Hampshire's regulatory requirements. Verifying licensure is a critical first step before entering into any life settlement transaction — and one we handle on your behalf.
Waiting Period Rules in New Hampshire
New Hampshire requires a two-year waiting period from the date of policy issuance before a life settlement can be completed. Exceptions are recognized for terminal illness, chronic illness, and other qualifying circumstances.
Consumer Protections for New Hampshire Residents
New Hampshire requires providers to give sellers written disclosures before completing a life settlement. A rescission period following contract execution provides sellers with time to reconsider their decision without penalty.
What Your Policy Might Be Worth in New Hampshire
Life settlement offers vary widely based on individual circumstances. As a general industry benchmark, policyholders typically receive offers ranging from 10% to 30% of the policy's face value — and in some cases more, depending on the insured's age, health status, policy type, and premium obligations.
For example, a $500,000 policy in New Hampshire could potentially generate a life settlement offer between $50,000 and $150,000 — compared to far less (or nothing) if the policy were simply lapsed or surrendered. These are industry-typical ranges and not guarantees. Your actual offer will depend entirely on your specific circumstances.
Important Disclosure
The ranges provided are general industry estimates and educational in nature. No specific payout is guaranteed. Actual offers depend on your policy details, health information, and buyer demand at the time of transaction. LifeSettlementEstimate.com does not guarantee any specific offer amount.
The best way to get an accurate picture of your policy's potential value is to start with a free, no-obligation estimate.
Tax Considerations in New Hampshire
New Hampshire does not have a broad state income tax on wages and ordinary income. Life settlement proceeds may not be subject to state income taxation in most cases. Consulting a tax advisor is recommended to confirm your specific situation, as federal taxes still apply.
Tax Disclaimer
The above is general educational information and does not constitute tax advice. Tax laws are complex and subject to change. Please consult a licensed CPA or tax attorney before completing any life settlement transaction to understand the full tax implications of your specific situation.
How the Life Settlement Process Works
Get a Free Estimate
Use LifeSettlementEstimate.com to receive a preliminary valuation of your policy. There's no personal information required beyond the basics, and no obligation to proceed.
Submit Policy Details
If you decide to move forward, you'll submit your policy information and complete a brief medical authorization. Our team gathers records and prepares your file for buyers.
Receive Competitive Offers
Your policy is presented to our network of 50+ licensed buyers in New Hampshire and across the country. Multiple offers are collected and presented to you for comparison.
Accept or Decline
You are never obligated to accept any offer. If you accept, the closing paperwork is handled, and funds are typically received within 30–60 days of final approval.
See our full How It Works guide for a complete walkthrough of the life settlement process.
Why Use LifeSettlementEstimate.com in New Hampshire?
LifeSettlementEstimate.com was built around one core principle: policyholders deserve transparent, unbiased information before making a major financial decision. We are an educational-first platform, not a high-pressure sales operation.
For residents of New Hampshire in cities like Manchester, Nashua, and beyond, our platform offers a compliance-first approach — connecting sellers with licensed, vetted buyers who operate within New Hampshire's regulatory framework.
Free Estimate
No cost to get your initial policy valuation
No Obligation
You decide if and when to proceed
50+ Vetted Buyers
Competitive offers from licensed NH buyers
Compliance-First
HIPAA-compliant, fully transparent process
A New Hampshire Resident's Story
Beverly Hartwell, 69
Concord, New Hampshire
"Beverly, a retired healthcare administrator from Concord, had a $300,000 universal life insurance policy she had maintained throughout her career. As she approached her 70s, she began to question whether the premiums were still aligned with her retirement goals. A financial planner in Concord introduced her to life settlements, and Beverly used LifeSettlementEstimate.com to get an initial, no-commitment estimate."
This is a fictional illustrative scenario. It does not represent an actual client or guaranteed outcome.
Frequently Asked Questions — New Hampshire
Get a Free Life Settlement Estimate in New Hampshire
Ready to find out what your policy may be worth? Our free estimate takes just minutes — with no obligation, no pressure, and no cost. Join Manchester and Concord residents who have already used LifeSettlementEstimate.com to make informed decisions about their life insurance.
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