Life Settlement Calculator

Get Started with an Informal Appraisal


Everyone would appreciate a simple life settlement calculator, however there are many factors that go into determining the value of a policy and every case is truly unique, so it's not that simple.  Also, the life settlement market is in fact a marketplace, so a bid on a policy can go up or down depending on what other options investors have at that time, which is why it's so valuable to work with a life settlement broker.  While no organization could possibly build an accurate life settlement calculator, the next best thing would be a free appraisal with no obligation, which you can get by filling out this form or giving us a call at 213.784.1481. 

If you're just trying to get a feel for values, here's some basic guidelines:  

  • Someone who has a 2 - 5 year life expectancy might receive 40% - 70% of their death benefit

  • Someone with a 10 year life expectancy may receive approximately 10% - 20% of their death benefit

  • Smaller policies in the $100k - $200k range often only get $5k - $10k when someone is in their 70s and has average health, which is still worth it if you're not planning on keeping the policy  

Here's a basic overview of how they're coming up with those numbers:

  • An investor is going to multiply your annual premium by how many years they believe you are likely to live.  So if your premium is $10k a year, and they expect you'll live another 10 years, that's $100k they will likely have to pay in premiums to keep the policy in-force, and they need to make 8% - 12% interest on that money for it to be profitable

  • The investor also needs to factor in the settlement amount and closing costs, and interest on that money as well

  • If the death benefit leaves enough room to make their money back plus interest, they will start bidding, typically with some room to go up

Life settlements require that the insured is at least 65 years of age or has been diagnosed with a terminal illness, and the death benefit of the policy has a minimum of $100,000.  

A great place to get started would be to find out an approximate value of your policy.  Complete the informal appraisal request form on this page to find out, or give us a call at 213.784.1481


Your health status, age, life expectancy, cost of insurance, and cash value in the policy will all be considered in the appraisal of your policy.  Term, Universal Life and Whole Life policies are the most common types of policies that are purchased in life settlements, however 2nd to Die policies are also common.  To sell a Term Policy it must still be convertible.  The conversion deadline is typically the end of the term or by age 75.  This conversion deadline can be found in your policy contract or by calling your insurance company.

life settlement calculator

We are a team of life settlement experts with the goal of finding you the highest bidder for your life insurance policy.  The value of your life insurance policy has a lot of factors to consider, and each individual case is unique.  Sometimes we see offers over 60% of the death benefit while other times we might only get $10k if someone has a long life expectancy.  


Life settlements require some time to close, so if you're considering the life settlement option, get started today by submitting your details in the life settlement appraisal form, and we'll help you determine if your policy qualifies and what your policy might be worth if we bring it to market.