Keep, Surrender, or Sell Calculator for Advisors
This calculator lays out the three main paths for an existing life insurance policy, keeping it in force, surrendering it to the carrier, or exploring a life settlement, so an advisor can discuss the trade-offs with a client using one consistent set of assumptions.
Who it's for
Financial advisors, wealth managers, CPAs, estate planning attorneys, and insurance professionals who are reviewing a client's policy before a surrender, lapse, or other decision to discontinue coverage.
Inputs it uses
- Death benefit (face amount)
- Annual premium and years of premiums remaining
- Cash surrender value
- Insured age and general health
- An illustrative settlement range you enter
What you get
A side-by-side comparison of estimated outcomes for each path, with a chart you can review with the client. Results are illustrative only and are not an offer or appraisal. A confidential evaluation from Accelerated Life Solutions is needed to see whether the policy may have secondary-market value.
This tool is available to financial professionals with an access code. Outputs are illustrative estimates, not offers or appraisals. See all advisor tools.
Request accessAdvisor-Only Access
Enter the access code provided by Brian.