Life Settlement Calculator: Policy Value Factors
See how the details of a life insurance policy are commonly viewed by secondary-market buyers, and what to gather before a review. Built for policyowners and financial professionals.
Your checklist will appear here
Enter the policy details and press "Review policy factors." You'll see which details are commonly considered, which may limit buyer interest, and which need a professional review. No dollar figure is shown.
Why there is no instant dollar estimate
What a buyer may pay depends on a life expectancy estimate from medical records, the premiums projected in the policy's in-force illustration, the policy's terms, and current buyer demand. None of these can be judged from a short online form, so any instant number would be a guess. We would rather tell you what matters and help you get a real answer.
In general, older insureds, significant health changes since the policy was issued, and lower ongoing premium costs relative to the death benefit make a policy more interesting to buyers. High premiums, a high cash surrender value, and younger, healthier insureds usually reduce interest. Not every policy qualifies for a life settlement. Eligibility and outcomes depend on policy characteristics, insured health, premiums, underwriting, and market conditions.
Next, review the life settlement eligibility criteria, compare cash surrender value and market value, read how the life settlement process works, or see our licensing and disclosures.
Key facts
- The online calculator does not produce a dollar estimate or a qualification score. It explains how each policy detail is commonly viewed by buyers.
- Qualified submissions may receive a preliminary valuation within approximately 24 hours after sufficient initial information has been received.
- Not every policy qualifies for a life settlement. Eligibility and outcomes depend on policy characteristics, insured health, premiums, underwriting, and market conditions.
- Broker compensation is determined case by case and always disclosed before the transaction is finalized.
- Proceeds from a reportable policy sale are reported to the IRS on Form 1099-LS. (IRS — Instructions for Form 1099-LS)
Who we work with
Policyowners may contact us directly for a confidential policy evaluation. If you work with a financial or insurance professional, we can coordinate with them as appropriate.
Own a policy? Request a confidential evaluation- Financial advisors and wealth managers
- Estate planning attorneys
- CPAs
- Life insurance agents
- Trustees and fiduciaries
- Individual life insurance policyowners
Life settlement calculator FAQs
How much is my life insurance policy worth?
A policy's secondary-market value depends on the insured's age and health, the death benefit, the premiums required to keep it in force, the policy type, and buyer demand. There is no typical percentage, and no online tool can set the figure. A confidential review from Accelerated Life Solutions uses underwriting and buyer interest to show whether a policy may have secondary-market value.
Why doesn't the calculator show a dollar amount?
An honest dollar figure needs medical records, a life expectancy report, and the policy's in-force illustration, which an online form cannot assess. Rather than show a number that could mislead, the calculator explains which details commonly help or limit buyer interest and what to gather for a review.
Can an online calculator reliably value a life insurance policy?
No. Online figures cannot account for underwriting, future premium costs from the in-force illustration, or what qualified buyers are actually willing to pay. Treat any instant number with caution and compare real offers with the policy's cash surrender value.
Does using the calculator send my information to anyone?
No. The checklist runs in your browser. Nothing is sent unless you fill in the separate review request form and press "Send review request."
What happens after I request a review?
Qualified submissions may receive a preliminary valuation within approximately 24 hours after sufficient initial information has been received. No fixed completion date is guaranteed.
Can a policy be worth more than its cash surrender value?
A life settlement may produce more than the policy's cash surrender value, but results vary by case. A free evaluation shows whether a policy may have secondary-market value.
How is broker compensation handled if I sell?
Broker compensation is determined case by case, considering the circumstances and economics of each transaction, and is always disclosed before the transaction is finalized. Compensation is structured to support successful transactions while staying transparent with the appropriate parties. Applicable compensation and transaction costs are disclosed in accordance with governing state laws and transaction documentation.