Eligibility & Valuation

Do age and health play a role in eligibility and pricing?

Age and health play a major role in both eligibility and the potential payout in a life settlement. Older individuals typically receive stronger offers because buyers expect to pay premiums for a shorter period of time. Health history also influences the valuation, even though the process does not require a medical exam.

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Buyers review medical records, prescription histories, and general health trends to estimate longevity. This information helps determine future premium obligations and the expected timeline for the death benefit. Importantly, being in good health does not automatically disqualify someone. Seniors age 75 or older often qualify even if they are healthy.

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Conversely, individuals who are younger but have experienced certain health conditions may also qualify. The evaluation is not meant to judge personal health but to calculate the long-term financial structure of the policy. Offers vary case by case, but age and health are two of the most influential factors buyers use to determine value.

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© 2026 Settle Life, Inc. | All Rights Reserved
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.

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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.

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