process of selling your pension

At VBL, we strive to make the process of selling a portion of your military pension or VA disability retirement income for a lump sum of cash as easy and as painless as possible.

1 - We ask that you fill out our quote request on this website, so that your request can be reviewed by our staff. We’ll reach out to you to learn more about what you want to accomplish by selling your retirement income, and to help determine if this program could be right for you.

2 - If you decide to work with us, we’ll ask you to fill out some paperwork and submit some documentation from your pension provider showing how much your benefit pays you. Once you return the necessary items to us, we will review your application packet and determine your eligibility to proceed. Our agents will help you spot anything that may cause a problem before you apply, so your chances of approval are good!

3 - Once you’re approved, the nationwide network of advisors with whom we work will begin the process of securing a suitable buyer for your income stream. Remember, we don’t buy your pension ourselves - our goal is to help you take control of your financial future by facilitating the sale of your income stream to a third-party buyer. The process of securing a buyer and completely closing a case typically takes anywhere from 4-8 weeks on average, but will vary on a case-by-case basis.

So, how much will you be paid for your pension?

The short answer is “it depends.” Each time the VBL staff evaluates a pension, we use a purely mathematical formula to help us define the present value of your future dollars.Every case is different, and we encourage you to speak directly with an agent to discuss specific dollar amounts.

Please remember that this is not a loan, and that you are not “selling your pension.” Our goal is to help you sell a portion of the payments you receive that are derived from your pension income stream. We encourage you to discuss this important distinction with your VBL agent.



To better understand the process, please check the FAQ page >>>

Selling a portion of your future military pension or VA disability payments allows you to turn future income into present cash, putting control of your money into your hands. ​
By selling a portion of your future military pension or VA disability payments your can liquidate debt, start a business, improve your credit score and put cash in your pocket now.
Nowhere else can you leverage your military retirement or VA disability benefit income by exchanging a future trickle of income for cold, hard cash in your hands today. You’ve worked hard to earn your money; shouldn’t you have control over it?