You don't have to wait for what's already yours.

Insurance companies pay claims in about six weeks on average. We pay the beneficiary directly, usually within 24 to 48 hours. The amount you receive is the same, minus our one-time fee — what changes is when you get it.

Start your request with us today, online or by phone. Once we verify the policy directly with the carrier, funds are typically released within 24 to 48 hours — by far the quickest path to money that's already owed to you.

A funeral can exceed $8,500 and cremation over $2,000, according to national averages. Those bills come due right away — usually before the insurance company has even opened the claim.

No. You can advance only what you need, up to $100,000. For example, on a $50,000 policy you might advance $15,000 for immediate costs, and collect the remaining $35,000 from the insurer on their usual schedule.

One fee of 4.98% of the amount advanced, deducted from the proceeds. There's nothing to pay out of pocket.

Charging a fee for early access to money isn't unique to us — credit card companies do the same thing. The difference is what happens next. Put a cost on a credit card, and that fee is just the beginning; interest keeps compounding for as long as the balance sits there, and the longer it takes to pay off, the more it costs you. With Beneficiary Advance, it's one fee, one time — nothing that grows the longer it sits, nothing that follows you afterward.

Yes. You can start your request now and leave the date blank. When the time comes, come back and add it — we'll verify the policy right away.

No. Many claims are paid without one. A pending death certificate is one of the most common reasons insurance payouts get delayed — which is exactly the wait we exist to remove.

No. Beneficiary Advance purchases an assignment of the life insurance proceeds you're already entitled to — it isn't a loan, so there's no interest, no monthly payment, and no credit check. It has no bearing on your credit score.

Yes. We use bank-level encryption to protect your personal and policy information, and we only use it to verify your claim with the insurance carrier. We never sell your information, and it's handled by the same customer loyalty specialist from start to finish.

No. Life insurance death benefits aren't taxable income, and that stays true no matter how you receive them — the full amount at once through the insurer, or an early advance through us. Whether you advance all of it or just part of it, there are no tax implications on that money.

We verify the policy and benefit amount directly with the insurance carrier before any funds are advanced, so you'll know what to expect before you sign anything. If a policy can't be verified or funded for any reason, you owe us nothing — there's never an out-of-pocket cost or fee for trying.

Yes. We've funded life insurance policies for families nationwide for years, working directly with over a thousand insurance carriers. Our team is reachable by phone every business day, and we're happy to answer any question about how the process works before you commit to anything.

More than you might expect. We advance millions of dollars every day and process over 70,000 claims a year. Waiting weeks for a life insurance payout is common — so is deciding not to wait.

No. If there are multiple beneficiaries on the policy, we can still work with you — each beneficiary's share can be handled individually, and we'll walk you through how that applies to your specific policy when we verify it with the carrier.