Citizens Life Group is a licensed life settlement brokerage based in Orlando, Florida, serving seniors nationwide. We help policyholders 65 and older sell a life insurance policy they no longer need or can no longer afford for a cash lump sum, often far more than its cash surrender value. A life settlement is a legal, regulated alternative to letting a policy lapse or surrendering it for a fraction of its worth. As your licensed broker, we represent you, the seller, never the buyer. We shop your policy to competing institutional buyers so the strongest offer comes to you, and our commission comes from the settlement proceeds only if you sell, so there is no upfront cost. Services include free, confidential policy evaluations, eligibility reviews, and clear, plain-language guidance at every step. Where we are not licensed, we work with fiduciary-affiliated brokers licensed there. Contact us for a free, no-obligation estimate to find out what your policy is really worth.