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Life Settlements in Texas

Texas Life Settlements

Texas is a growing life settlement market with strong regulatory oversight and a large senior population. Accelerated Life Solutions is fully licensed in Texas, serving financial professionals across the Lone Star State.

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Licensed in TXAdvisor-CentricConfidentialFully Compliant
Texas Regulations

Life Settlement Laws in Texas

Texas regulates life settlements under the Texas Insurance Code, Chapter 1111A. The Texas Department of Insurance licenses and monitors all life settlement providers and brokers, ensuring consumer protections are upheld throughout every transaction.

  • Licensed and regulated by the Texas Department of Insurance
  • 15-day rescission period for all life settlement transactions
  • Two-year waiting period from original policy issuance date
  • Full disclosure of all offers, fees, and compensation
  • Anti-fraud enforcement with civil and criminal penalties
  • HIPAA-compliant handling of all medical information
TX Dept. of Insurance — Life Settlements

Regulatory Framework

Texas 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 Texas.

Consumer Protections

Texas 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 Texas?

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

Texas has a growing senior population and no state income tax, making life settlements particularly attractive for Texas policyholders seeking liquidity.

Why Texas

Life Settlements Opportunity in Texas

Texas has one of the fastest-growing senior populations in the country, with no state income tax creating additional financial incentive for policyholders. Business-owned policies are particularly common in Texas, and the state's wealth concentration in energy, real estate, and agriculture creates opportunities for large face-value settlements.

  • No state income tax — settlement proceeds face only federal taxation
  • Rapidly growing senior population (3.8M+ age 65+)
  • Strong regulatory protections under the Texas Insurance Code
  • Large policy face values common among Texas business owners
  • Active institutional buyer interest in Texas-originated cases
3.8M+
TX residents age 65+
No Tax
State income tax
15 Days
Rescission period
Top 5
Fastest growing market
Your Texas Partner

How Accelerated Life Solutions Serves Texas Advisors

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

Request an Appraisal 888-666-5915

Our Texas 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
Texas FAQs

Frequently Asked Questions

Are life settlements regulated in Texas?

Yes. Texas has comprehensive life settlement regulations under Texas Insurance Code Chapter 1111A. All brokers and providers must be licensed by the Texas Department of Insurance.

Do Texas residents pay state tax on life settlement proceeds?

No. Texas has no state income tax, so life settlement proceeds are only subject to federal income tax. Consult a tax advisor for specific guidance.

What types of policies qualify in Texas?

Universal life, whole life, and convertible term policies are commonly eligible. The policy must be beyond its 2-year contestability period. Business-owned and trust-owned policies are also eligible.

Can business-owned policies be settled in Texas?

Yes. Business-owned life insurance policies (BOLI, key-man policies, buy-sell agreement policies) are frequently settled in Texas. These cases often involve larger face values and complex ownership structures — an area where Accelerated Life Solutions excels.

How quickly can a Texas life settlement close?

Most Texas cases close within 60–120 days. Complex cases involving trusts or multiple ownership parties may take longer. We work to expedite every phase of the process.

Ready to Explore Life Settlements in Texas?

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

Request an Appraisal 888-666-5915