Buyers evaluate policies using actuarial tools and financial models that help estimate how long the policy will stay active and how much it will cost to maintain. Medical records provide insight into life expectancy, but the evaluation does not require new exams or medical testing.
Buyers review your existing medical history, prescription records, diagnoses, and general health information to estimate longevity. They also study the structure of your policy, including premium costs, guarantee periods, cash values, and carrier strength. All of this helps determine how much the buyer will need to invest to keep the policy in force until the death benefit is paid out.
If premiums are low and the policy is stable, the value may be higher. If premiums are high or the structure is complex, offers may be lower. This evaluation is purely financial, not personal. Licensed buyers follow strict privacy rules to keep your information safe and confidential.
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