Welcome Funds

time icon 5 min read update icon Sept. 20, 2019
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Welcome Funds is a professional life settlement broker that is licensed to represent policy owners and secure the best offers from the secondary market. 

Welcome Funds was founded in 2000, and is now one of the most prevalent and largest brokers in the secondary market of life settlements.Welcome Funds understands that the process of selling your life insurance policy can be quite intimidating. Fortunately, the company has formed a team of experienced professionals equipped to navigate and negotiate on your behalf. This team can help you find the most qualified buyer for your policy.

Welcome Funds continues to foster solid relationships with the most reputable life settlement providers.Its team of dedicated and talented experts has settled more than 10,000 life settlement offers. The firm continues to be favored by consumers due to its professionalism, transparency and integrity.

Grandfolk Scoring
Cost 7/10
Ease 10/10
Customer support 8/10
Age qualification 8/10
Estimates 9/10
Established 10/10
Online tools 10/10
Direct buyer 8/10
Accreditation 10/10
Cancellation 7/10
Are there any fees involved?
Unclear; check with an agent to be sure
Is it easy to get started?
Yes, simply call or go online
Customer support
Ease of access
Agents are available 9 AM-5 PM EST Mon-Fri
Age qualification
What ages qualify for services?
If the insured is under age 75, certain health parameters must be met
Does the company offer estimates?
A client can complete the Online Qualifier to determine eligibility
Is the company well established?
Yes, Welcome Funds was founded in 2000
Online tools
Are there online tools available?
Yes, a Quick Online Qualifier is available
Direct buyer
Is the company a direct buyer of life settlement policies?
No, but it negotiates directly in the secondary market
Is the company accredited?
Welcome Funds is accredited by the BBB and maintains an A+ rating
What if I change my mind?
All sales are final once paperwork is signed
Age Score:
50-64 Years
65-74 Years
75-84 Years

Welcome Funds’ goal is to present your policy to as many potential buyers as possible, in order to generate more favorable offers.The experts will educate you throughout the process, to provide you with the confidence you need to make the best decision for your circumstances. This can help you obtain the highest possible payout for your life insurance policy. 

The company’s team of expert negotiators has a combined total of over 40 years in the market. They are well versed on the buyers and the industry, and have the consumer’s best interest at heart.With over 17 years in the industry, the company has been entrusted by thousands of seniors to negotiate in their best interests in the life settlement process. On behalf of policyholders, the team has effectively negotiated over 10,000 life settlement offers.

Health Score:
Great Health
Good Health
Fair Health
Poor Health

Life insurance policies are usually issued if you are in good health. As you age, you may have a declining health change, or develop a chronic condition. Seniors who have been diagnosed with life threatening diseases may find that maintaining life insurance coverage is no longer as important as it once was. Other life circumstances may include children all grown up, diminished assets, increased living expenses or the need to pay health care expenses.

Many seniors have been uninformed of the hidden value in selling their life insurance policies. As a result, their policies have either lapsed, or were surrendered for the minimum cash surrender value. These are the precise reasons why Welcome Funds strives to educate consumers, so they may choose a better financial option.


  • Welcome Funds offers a three-step Qualifier that will immediately inform you if your policy qualifies to be converted into cash. 
  • Welcome Funds employs a high number of experienced professionals to help match you with reputable companies in the market. 
  • The company’s professionals are trained and able to negotiate with the most competent buyers who are interested in purchasing your policy.
  • The company’s team of dedicated professionals has successfully negotiated more than 10,000 life settlement offers.
  • Clients who prefer to see visual representations can view a sample life settlement offer on the website.  
  • The process is very competitive and strives to identify the highest bidder. 
  • All submitted records are kept confidential and are only released at the authorization of the insured.
  • The company has collected every term, definition and phrase related to life settlements and created an online Life Settlement Glossary for the client’s convenience. 


  • Clients have complained that representatives did not fully explain the life settlement process, leaving them confused and uninformed throughout the process. 
  • Welcome Funds is not a direct buyer of life settlements policies.Instead, the company negotiates offers with state-authorized buyers. 
  • Funds received from the life settlement will be taxed as ordinary income. The amount of the settlement received, less the cash surrender value will be taxed as a capital gain.
  • To complete the process, clients must give Welcome Funds access to all medical, financial and other personal information.

Bottom Line:

If you are in a financial bind and need money to pay bills and medical expenses, or simply want to avoid a lapsing policy, Welcome Funds is there to help. In addition to matching you with a reputable company to buy your policy, Welcome Funds works to educate seniors on how life insurance policies can be used as valuable assets and sold for cash. 

Welcome Funds is a qualified life settlement broker that is accredited to represent and negotiate any offers received from the marketplace on your behalf. As a result of its high standards and reputation, the company works only with the leading providers in the industry.

Frequently Asked Questions:

What is the face value range that the company can purchase?

If other eligibility requirements are met, a life insurance policy with a minimum face value of $50,000 qualifies to be converted into cash. 

What type of life insurance policies does the company purchase?

A variety of life insurance policy types may qualify for purchase through Welcome Funds. Policy types that may be purchased include: Non-Convertible Term Policies, Joint Survivorship and 2nd to Die policies. Clients may contact a representative to confirm whether their policy qualifies. 

What decision timeframe does the company provide?

Welcome Funds takes, on average, four to six weeks to complete the process. The timeframe will vary depending on the responsiveness of doctors and insurance companies.If you qualify, Welcome Funds may have a simplified application program available.

More Information:

Product Details

Overview: Welcome Funds is a life settlement broker that represents policyholders and negotiates the best offers for the sale of life insurance policies. 

Package Details: N/A

Optional Accessories or Add-on Services, if any:  N/A

Additional Company Details

Contract Details: N/A

Warranty: N/A

Accreditations: Welcome Funds has an accredited business profile with the Better Business Bureau. The company maintains an A+ rating. 

Company Details: Founded in 2000, Welcome Funds assists seniors in achieving financial freedom through life settlements. The company has helped thousands of clients secure more than $450 million from the sale of life insurance policies.


Welcome Funds
6001 Broken Sound Pkwy, Ste 620
Boca Raton, FL 33487
Phone: 877-227-4484
Website: http://www.welcomefunds.com

T. Mashae Pearson - Senior Advisor

Shae is senior researcher with Grandfolk® providing in-depth product and service reviews to empower senior buying decisions.