Use this calculator to estimate the potential market value of your life insurance policy and determine whether you may qualify for a life settlement.

Most policies fall between 10% and 40% of face value, depending on age, health, policy structure, and premiums.

Get Your Free Life Settlement Appraisal

Enter Your Policy Information

Provide the details below to generate an estimated value range and qualification indication.

Insured Age*

Age is one of the most important factors in life settlement valuation.

In general, the older the insured, the higher the potential value of the policy, because life expectancy directly impacts expected future premium costs and payout timing.

Gender*

• Male
• Female

Gender is used as part of actuarial life expectancy modeling.

Statistically, women tend to live longer than men, which can influence both policy valuation and expected premium duration.

Insured Health*

• Good
• Average
• Impaired
• Poor

Health is one of the strongest drivers of life settlement value.

In simplified estimates like this, health is grouped into broad categories, which means actual valuations may vary significantly after full underwriting.

State*

Your state of residence may affect how your policy is evaluated.

Most states regulate life settlements, including:

• Licensing requirements
• Disclosure rules
• Minimum payout protections (in some cases)

These regulations can influence how offers are structured.

Insurance Carrier*

The financial strength of your insurance company matters.

Buyers evaluate whether the insurer is stable enough to pay the future death benefit, which directly impacts pricing in the secondary market.

Policy Type*

• Convertible Term
• Universal Life
• Whole Life

Policy structure affects flexibility, premium burden, and long-term value.

Permanent policies often carry stronger market value because they remain in force longer with more predictable costs.

Number of Insured Lives*

• One Person
• Two People (Joint/Survivor Policy)

Joint or survivor policies pay out only after the second insured passes away.

These policies involve different risk structures and can significantly impact valuation due to extended life expectancy assumptions.

Face Value*

The face value is the death benefit your policy pays to beneficiaries.

This is the primary reference point used in all life settlement valuations.

Accidental death riders should not be included.

Cash Surrender Value*

This is the amount your insurance company will pay if you cancel the policy today.

It is often significantly lower than potential life settlement value because it does not reflect open market demand.

Cash Value*

This is the accumulated value within your policy before surrender penalties.

Many policyholders mistakenly assume this equals their total policy value, but market value may be higher or lower depending on structure and demand.

Loan Value*

If you have taken loans against your policy, the outstanding balance will reduce the net value available in a life settlement.

However, having a loan does not prevent you from selling your policy.

Annual Premium*

This is the annual cost required to keep your policy active.

Higher premiums generally reduce policy value because buyers must continue paying these costs after purchase.

Premium Financing*

• Yes
• No

If premiums have been financed, this may impact valuation depending on repayment structure and policy obligations.

What Happens After You Use the Calculator?

Your results will show:

• Estimated policy value range
• Preliminary qualification indication
• Whether a full appraisal may be worthwhile

This is not a final offer.

Important Next Step

If your policy shows potential value, the next step is a full life settlement appraisal where licensed buyers evaluate your policy in detail.

Get Your Free Life Settlement Appraisal