Under IRS Section 1035, you can exchange an existing life insurance policy for a new one — without triggering a taxable event — potentially unlocking significant financial benefits.
Transfer the accumulated cash value of your existing policy to a new one without paying taxes on the gain.
Move to a policy with better terms, lower premiums, or stronger guarantees — without starting over.
The exchange is handled directly between insurance carriers. You never touch the funds.
Three simple steps to discover if a 1035 exchange is right for you.
Tell us about your current policy type, cash value, age, and health. It takes under 3 minutes.
A licensed broker reviews your answers and identifies the best exchange opportunities for your situation.
Get a personalized, no-obligation recommendation — completely free of charge.
A 1035 exchange may be right for you if your current policy no longer meets your needs, if premiums have become burdensome, or if better products are now available in the market.