New Hampshire Life Settlements
New Hampshire's life settlement market provides policyholders with access to competitive institutional buyers in a well-regulated environment. Accelerated Life Solutions is licensed in New Hampshire to serve financial advisors seeking optimal outcomes for their clients.
Life Settlement Laws in New Hampshire
New Hampshire regulates life settlements under RSA 408-D, establishing clear standards for licensing, disclosure, and consumer protection. The New Hampshire Insurance Department oversees all settlement activity to maintain market integrity and protect policyholders.
- All providers and brokers must be licensed by the NH Insurance Department
- 15-day rescission period after signing a settlement contract
- Comprehensive disclosure requirements including alternatives to settlement
- Prohibition of STOLI and premium financing fraud schemes
- Two-year waiting period from policy issuance with terminal illness exceptions
- Broker fiduciary duty requires acting in the policyholder's best interest
Regulatory Framework
New Hampshire 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 New Hampshire.
Consumer Protections
New Hampshire law mandates full disclosure, rescission periods, and privacy protections for all life settlement transactions — ensuring your clients are fully informed.
Commonly Accepted in New Hampshire?
New Hampshire has no state income tax on settlement proceeds, and the state's regulatory framework ensures transparent pricing for all qualifying policies.
How Accelerated Life Solutions Serves New Hampshire Advisors
We partner exclusively with financial professionals in New Hampshire — financial advisors, CPAs, estate attorneys, and insurance agents — to deliver fully compliant, transparent, and competitive life settlement outcomes.
Our New Hampshire Process
- 1Confidential policy review and preliminary valuation
- 2Full underwriting and documentation coordination
- 3Competitive bidding among institutional buyers
- 4Transparent offer presentation with full disclosures
- 5Compliant closing with legal coordination
Frequently Asked Questions
Does New Hampshire tax life settlement proceeds?
New Hampshire has no state income tax on earned income, meaning life settlement proceeds are not subject to state income tax. Federal taxes may still apply. Consult a tax professional for personalized advice.
How is the life settlement market regulated in New Hampshire?
Life settlements are regulated under RSA 408-D by the New Hampshire Insurance Department. All providers and brokers must be licensed, and the law establishes disclosure requirements, a 15-day rescission period, and anti-fraud protections.
What is the typical settlement amount in New Hampshire?
Settlement amounts in New Hampshire typically range from 20-50% of face value, depending on age, health, policy type, and premium structure. This generally represents 4-5x more than the insurance company's cash surrender value.
Can I sell my policy if I still have outstanding policy loans in New Hampshire?
Yes, policies with outstanding loans can still be settled in New Hampshire. The loan balance is typically deducted from the settlement proceeds at closing, and the remaining amount is paid directly to you.
How do I know if my policy qualifies for a life settlement in New Hampshire?
Policies typically qualify if the insured is 65+, the policy has been in force for 2+ years, and the face value is $100,000+. A free policy appraisal from Accelerated Life Solutions can determine your policy's market value.
Ready to Explore Life Settlements in New Hampshire?
Contact us for a complimentary, no-obligation policy appraisal for your New Hampshire clients. We typically respond within 24 hours.