Life Settlement Calculator

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.

Infographic showing how a life settlement calculator helps estimate life insurance policy value, determine qualification potential, and guide policyholders through the life settlement evaluation process.

Number Of Lives Insured(Required)

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.

First Person Details

Insured Age(Required)

Please enter a number greater than or equal to 0.

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(Required)

Male

Female

Women typically live longer than men and often have a different cost of life insurance.

Insured Health(Required)

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.

Second Person Details

Second Person Insured Age(Required)

Please enter a number less than or equal to 150.

Second Person Gender(Required)

Male

Female

Second Person Health(Required)

State(Required)

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(Required)

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(Required)

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.

Face Value(Required)

Please enter a number greater than or equal to 0.

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

Please enter a number greater than or equal to 0.

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

Please enter a number greater than or equal to 0.

Loan Value

Please enter a number greater than or equal to 0.

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(Required)

Please enter a number greater than or equal to 0.

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(Required)

Yes

If you have financed your premiums it may impact the underlying value of your life insurance policy to a degree.

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. 800-747-4549

Get Your Free Life Settlement Appraisal

To Learn More about

Life Settlements

1-800-747-4549

Life Settlement Calculator

First Person Details

Second Person Details

What Happens After You Use the Calculator?

Important Next Step

Learn More About Life Settlements

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