Naturally, insurance companies increasing their rates are extremely happy about causing seniors to surrender their policy or policies -- forcing them to accept pennies on the dollar once surrendered. Not a good deal for baby boomers, seniors, retirees 65 to 70 and 70 plus. Great deal for insurers. So we should talk about life settlement opportunities and attractive providers in the US, cashing out life insurance policies, whole life and universal life mainly. Seniors are fighting back, and with a little effort find a company that helps seniors cash out life insurance, like www.harborlifesettlements.com or a similar life settlement company they can sell a life insurance policy to – after conducting research on sites like www.einsurance.com, or maybe on Yahoo.Finance or www.AARP.org; to identify the right company to help them sell a life insurance policy. Baby boomers at the beginning of the process often ask if you can sell a life insurance policy... I get emails asking me, “Can I sell my life insurance policy?” or “Who can I sell my life insurance to?” or “Who will buy my life insurance policy?” But before deciding on selling a life insurance policy seniors almost always ask me “who do you sell your life insurance to?” or “who will buy my life insurance policy?” or maybe “who are the companies that buy your life insurance policy?” Sensible questions. I usually respond: "Research it online. You need to get the lay of the land." And they do it. Everyone at all ages now knows how to research online. Boomers, retirees, seniors need to examine all the advantages of selling your life insurance policy, before you actually sell your life insurance to a life settlement company. It’s a viable option -- instead of getting beaten up by an insurance company you can fund your retirement, or pay for a nursing home, like Brookdale Senior Living, a good prototype for what a long term care facility should look like.