How accurate is the life settlement calculator?

Our calculator provides an instant estimate based on general market factors such as age, policy size, type, and premiums. While it's not a formal offer, it gives you a realistic range of what buyers are currently paying for similar policies. For a precise valuation, we'll review your policy details and health profile confidentially — at no cost or obligation.

Will using the calculator affect my life insurance policy?

No, using Settle's calculator has no impact on your current policy, coverage, or beneficiaries. It's a simple way to explore your policy's potential cash value before deciding whether to keep, surrender, or sell it. You're always in control of the next step.

What types of life insurance policies qualify?

Most universal life, whole life, and convertible term policies qualify for life settlements. Policies with a face value of $100,000 or more and insureds age 65 or older typically receive the highest offers. If you're unsure what type you have, our team can review it for you.

How long does it take to get an actual offer?

After using the calculator, you can request a formal appraisal from our licensed team. In many cases, we're able to secure multiple competitive offers within 7–10 business days. Settle's digital process is faster than traditional brokers, and we handle everything from underwriting to closing for you.

Is my personal information secure?

Yes, your privacy is our top priority. Settle follows HIPAA and industry data protection standards to ensure all information you share is encrypted and confidential. We never sell or share your data with third parties without your explicit consent.

Why should I use Settle instead of another life settlement company?

Settle was built to make the life settlement process simpler, faster, and fairer. We take lower commissions than traditional brokers, run a transparent bidding process with multiple institutional buyers, and handle everything online with full visibility. You keep more of your policy's true market value — without pressure or hidden fees.

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Settlewealth.com is a website owned and operated by Settle Life, Inc. (“Settle”), a financial technology and life settlement marketing company based in the United States. Settle is not a licensed life settlement provider, nor a licensed life settlement broker, and does not engage directly in regulated life settlement transactions as a representative of policyholders. Our core function is to serve as a facilitative platform, designed to connect qualified life insurance policy owners with licensed life settlement providers, institutional buyers, and other investment-related entities, some of which may be affiliated with or compensated by Settle. These providers and firms operate independently and are solely responsible for the purchase and servicing of life insurance policies acquired through settlement transactions.

Settle is not acting in a fiduciary capacity, and our role does not include giving financial, legal, tax, or insurance advice. We do not offer or originate bids for policies, nor do we negotiate life settlement contracts on behalf of either sellers or buyers. Rather, Settle’s platform operates as a conduit, streamlining introductions and enabling potential transactions between consenting parties. In instances where a life settlement transaction is successfully completed as a result of a referral, lead, or introduction facilitated by SettleWealth.com, Settle may receive compensation from the licensed provider or other participating entities. The nature and amount of such compensation may vary by transaction and is typically paid from proceeds allocated within the provider’s purchase structure.

In our effort to protect user privacy, the names, images, likenesses, and specific identifying details shown in testimonial examples, case illustrations, or marketing content on SettleWealth.com may be fictionalized or altered. These examples are intended solely to demonstrate potential scenarios for educational purposes and should not be interpreted as promises or guarantees of specific outcomes. All illustrations, data points, and estimates are provided for illustrative and general informational purposes only.

Completion of our Application, or any related intake forms, does not obligate any party to move forward with a transaction. All submissions are voluntary and reviewed for eligibility. Users should exercise discretion and independently verify any figures, assumptions, or conclusions shared by the platform. The Appraisal Analysis produced by Settle is a non-binding assessment designed to assist in initial evaluations only. Settle makes no representations or warranties regarding the completeness, accuracy, timeliness, or usefulness of this analysis, and disclaims all liability for decisions made based on its contents.

We encourage all users to conduct thorough due diligence before pursuing or accepting any life settlement offer. The process may have implications on Medicaid eligibility, estate planning, taxes, and future insurability. It is the responsibility of the user to consult qualified professionals as needed. Settle does not assume any responsibility for individual outcomes or the suitability of life settlements for specific users.

This service is intended for use only by residents of the United States and is void where prohibited by law. Access to or use of the platform in certain jurisdictions may be restricted and is the responsibility of the user to confirm legal compliance.If you are using a screen reader or have difficulty accessing any part of this website, please contact us directly at ‪(214) 531-4733‬ and a representative will assist you.