LIfe Settlement Calculator, Estimate LIfe Insurance Settlement ValueLife Settlement Appraisal

Really Anonymous

No name or contact information is required to use this life settlement calculator.

So many variables go into a life insurance appraisal and it is simply impossible to instantly give an exact value. Our life settlement calculator will estimate a range of values for your life insurance policy as a life settlement. The estimate is based solely on the information you provide and is largely meant to be educational.

The Goal

You will get a great idea of whether your life insurance policy has enough market interest for you to at least pursue a Life Settlement.
More importantly…through this process we hope to educate you and other consumers on what goes into the valuation of a life insurance policy in the secondary market for life insurance

You should never cancel your life insurance without an appraisal.

Life Settlement Calculator

Insured Age*
Typically the older you are, the higher your cost on your life insurance. Life Expectancy (LE) is critical in determining the value of your life insurance policy. Your age is one of the key factors in calculating life expectancy.
Gender*
- Male
- Female
Women typically live longer than men and often have a different cost of life insurance.
Insured Health*
Health is typically the most important factor to valuing a life insurance policy. Simply put - how long you live determines the amount of future premiums the buyer will pay. In this estimate, 'health' is broken only into 4 categories which limits the accuracy of the estimate significantly.
State*
All but 5 states have some form of Life Settlement regulation. If you are terminally ill, your state may have minimum percentages that a buyer must pay you for your policy. Licensing, disclosure and consumer protection measures often vary from state to state.
Insurance Carrier*
The solvency of your insurance company is very important. If a buyer purchases your policy, they need to know that the insurance company will be around to pay the claim when you pass away. If there are issues with your insurance company in the secondary market, it may impact the amount buyer's are willing to pay.
Policy Type*
The type of life insurance policy you have matters. There is flexibility within some types of policies that allow the premiums to be adjusted to the cost of insurance, as with Universal Life. Generally, the less in premiums a buyer has to pay to keep your life insurance policy in force, the more it is worth to you as a life settlement.
Number Insured*
For estate purposes many couples or partners will purchase a Survivor Policy. That means it only pays out when the second person dies which is usually when estate planning issues arise. It cost more to insure two lives than one and the differences in health and age have an impact on the premiums of your life insurance policy. If only one person is alive on a joint policy it impacts the underwriting to a large degree.
Face Value*
The face amount your life insurance policy pays out to a beneficiary when you die and is the amount an investor will get if they purchase your policy. Do not count accidental death benefits. This amount is the top line number that is used with all of the other variables to arrive at a value of your life insurance policy.
Surrender Value*
Your policy may have surrender penalties. Your cash value is likely higher than your cash surrender value if you have a cash value at all. Many people allow their cash value to pay premiums for a while and assume there is no value once that cash value is gone. If you have too much cash value it is sometimes difficult for an investor to pay more than you already have in the policy.
Cash Value*
Your policy may have surrender penalties. Your cash value is likely higher than your cash surrender value if you have a cash value at all. Many people allow their cash value to pay premiums for a while and assume there is no value once that cash value is gone. If you have too much cash value it is sometimes difficult for an investor to pay more than you already have in the policy.
Loan Value*
Having a loan on your life insurance policy does not prevent you from selling it, but it will impact the value. Loans can impact face amount and you have to pay interest which can be a strain on the policy.
Annual Premium
The amount of money that it takes to pay your life insurance premiums each year has a significant impact on the valuation. Remember, when an investor purchases your life insurance policy they will be responsible for making those premium payments if they ever hope to collect on their investment.
Premium Finance*
- No
- Yes
If you have financed your premiums it may impact the underlying value of your life insurance policy to a degree.

To Learn More about

Life Settlements

1-800-747-4549

Really Anonymous

The Goal

Life Settlement Calculator