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Life Settlements in Florida

Florida Life Settlements

Florida is one of the nation's most active life settlement markets, driven by its large retiree population. Accelerated Life Solutions is a Delray Beach-based life settlement company with over 30 years of experience, fully licensed in Florida and providing advisor-centric life settlement services across the state.

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Licensed in FLAdvisor-CentricConfidentialFully Compliant
Florida Regulations

Life Settlement Laws in Florida

Florida has a well-established life settlement regulatory framework under Florida Statutes Chapter 626, Part XI. The Florida Office of Insurance Regulation licenses and oversees all life settlement brokers and providers operating in the state.

  • Regulated by the Florida Office of Insurance Regulation
  • 15-day rescission period after contract execution
  • Two-year waiting period from policy issuance
  • Mandatory written disclosures including tax consequences and alternatives
  • Strict anti-fraud provisions and reporting requirements
  • Privacy protections for all medical and personal data
FL Statutes Chapter 626, Part X — Viatical Settlement Contracts

Regulatory Framework

Florida requires all life settlement brokers and providers to be licensed by the state’s Department of Insurance. Accelerated Life Solutions is fully licensed and compliant in Florida.

Consumer Protections

Florida law mandates full disclosure, rescission periods, and privacy protections for all life settlement transactions — ensuring your clients are fully informed.

Commonly Accepted Criteria

Commonly Accepted in Florida?

65+
Minimum Age
$250K+
Minimum Face Value
Universal, Whole, Term
Policy Types

Florida's large retiree population and favorable regulatory environment make it one of the most active states for life settlement transactions.

Why Florida

Life Settlements Opportunity in Florida

Florida is home to over 4.5 million residents age 65+, making it one of the most important life settlement markets in the country. The absence of state income tax, combined with a mature regulatory framework and a deep pool of institutional buyers, creates exceptional conditions for advisors looking to serve clients with underperforming or unwanted policies.

  • Second-largest senior population in the US creates massive opportunity
  • No state income tax — potential tax advantages for settlement proceeds
  • Highly competitive buyer market due to large case volume
  • Well-established regulatory framework with strong consumer protections
  • Active advisor community familiar with life settlement strategies
4.5M+
FL residents age 65+
No Tax
State income tax
15 Days
Rescission period
#2
Second-largest market
Your Florida Partner

How Accelerated Life Solutions Serves Florida Advisors

We partner exclusively with financial professionals in Florida — financial advisors, CPAs, estate attorneys, and insurance agents — to deliver fully compliant, transparent, and competitive life settlement outcomes.

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Our Florida Process

  1. 1
    Confidential policy review and preliminary valuation
  2. 2
    Full underwriting and documentation coordination
  3. 3
    Competitive bidding among institutional buyers
  4. 4
    Transparent offer presentation with full disclosures
  5. 5
    Compliant closing with legal coordination
Florida FAQs

Frequently Asked Questions

Are life settlements legal in Florida?

Yes. Florida has comprehensive life settlement legislation under Florida Statutes Chapter 626, Part XI. All brokers and providers must be licensed by the Florida Office of Insurance Regulation.

How does Florida's no income tax benefit life settlement clients?

While federal income tax may still apply, Florida residents do not pay state income tax on life settlement proceeds — potentially resulting in significant savings compared to other states.

What is the rescission period in Florida?

Florida provides a 15-day rescission period after the contract is executed, during which the policyowner can cancel the transaction without penalty.

Can snowbird residents qualify for Florida life settlements?

Eligibility depends on legal residency and policy details. Part-time Florida residents may qualify if they meet the policy and regulatory requirements. Contact us for a case-specific evaluation.

How long does a Florida life settlement take?

Typical timeline is 60–120 days from initial submission to funding, depending on medical records, carrier verification, and buyer interest.

Ready to Explore Life Settlements in Florida?

Contact us for a complimentary, no-obligation policy appraisal for your Florida clients. We typically respond within 24 hours.

Request an Appraisal 888-666-5915