Product and processes that comprise receiving a query for a settlement contract that is available for sale. The query is based on at least one field. The settlement contract comprises a sale of a policyholder's death benefit in a life insurance policy in exchange for money. A first settlement contract that comprises information matching the at least one queried field is retrieved. A plurality of potential purchasers received communication that the first settlement contract is available for purchase. During a pre-determined period of time, a plurality of bids for the first settlement contract is received. Each of the plurality of bids comprises a bid price. It is determined that a first bidder has submitted a best bid price for the settlement contract. The first bidder and the policyholder are notified of an agreement to sell the first settlement contract at the best bid price.