Find out what your life insurance policy could really be worth
Your policy could be worth more than you think.
Use our free life settlement calculator to get an instant estimate of your policy’s potential market value. It only takes a few minutes — no phone calls, no pressure, and no obligation.At Settle, we help seniors and policyholders understand their options before letting a policy lapse or surrendering it back to the insurance company. Our calculator gives you a quick, confidential way to see if you might qualify for a cash payout through a life settlement.
What is a Life Settlement?
A life settlement is the sale of an existing life insurance policy to a licensed buyer for a cash payment that’s higher than the policy’s surrender value. After the sale, the buyer becomes the new policy owner and takes over future premium payments.Many people are surprised to learn that their policy is a financial asset that can be sold — much like a home or an investment. If your needs have changed or premiums have become difficult to manage, selling your policy can unlock immediate value.
How the Life Settlement Calculator Works
Our online calculator gives you a fast, private estimate based on the most important factors buyers consider when valuing a policy:
Age of the insured – Typically, life settlements are best suited for individuals over 70.
Policy type and face value – Universal life, whole life, and convertible term policies often qualify, especially above $100,000.
Premium costs – Lower ongoing premiums usually increase your policy’s value.
Health profile – Buyers use life expectancy estimates to determine how much they can offer.
Once you provide this basic information, our calculator instantly estimates your potential settlement range. From there, you can connect with our licensed specialists to receive personalized offers from top institutional buyers.
Age of the insured – Typically, life settlements are best suited for individuals over 70.
Policy type and face value – Universal life, whole life, and convertible term policies often qualify, especially above $100,000.
Premium costs – Lower ongoing premiums usually increase your policy’s value.
Health profile – Buyers use life expectancy estimates to determine how much they can offer.
Once you provide this basic information, our calculator instantly estimates your potential settlement range. From there, you can connect with our licensed specialists to receive personalized offers from top institutional buyers.
Why Use Settle’s Calculator?
Unlike other companies, Settle’s calculator is free, private, and designed to empower you with clear information before you make a decision. You’ll see your potential value immediately and can decide if you want to explore actual offers — all on your own terms.
Who Can Use the Calculator?
Our tool is designed for policyholders who:
Are age 65 or older
Have a life insurance policy worth at least $100,000
Are considering letting their policy lapse or surrendering it for minimal value
Want to explore retirement income or liquidity options
Even if you’re not sure your policy qualifies, our calculator is a great first step to understanding what your coverage might be worth on the secondary market.
Are age 65 or older
Have a life insurance policy worth at least $100,000
Are considering letting their policy lapse or surrendering it for minimal value
Want to explore retirement income or liquidity options
Even if you’re not sure your policy qualifies, our calculator is a great first step to understanding what your coverage might be worth on the secondary market.
It Only Takes 2 Minutes
1. Enter your policy details.
2. Get your estimated payout range instantly.
3. Connect with Settle’s licensed experts for a free, no-obligation review.
Your information is 100% confidential and never shared without your consent.
2. Get your estimated payout range instantly.
3. Connect with Settle’s licensed experts for a free, no-obligation review.
Your information is 100% confidential and never shared without your consent.
Example: How It Works in Real Life
Douglas, age 79, had a $500,000 universal life policy he no longer needed. Premiums were over $600 a month, and he was thinking about letting it lapse.
After using Settle’s calculator, he learned that his policy could be worth more than $80,000 in a life settlement. Two weeks later, he received multiple competing offers and sold his policy for $84,000 — turning a monthly expense into financial freedom.
After using Settle’s calculator, he learned that his policy could be worth more than $80,000 in a life settlement. Two weeks later, he received multiple competing offers and sold his policy for $84,000 — turning a monthly expense into financial freedom.
