Life Settlement Basics

How much can I expect to receive for my policy?

The amount you can receive for a life insurance policy in a life settlement varies widely, but most policies sell for more than the surrender value and less than the full death benefit.

Offers depend on several factors, including the insured person’s age, overall health, policy size, premium costs, and the type of insurance policy. In general, many life settlements fall between 10% and 40% of the policy’s death benefit, although the exact amount varies from case to case.

Older policyholders or individuals with certain health conditions often receive stronger offers because buyers expect to pay premiums for a shorter period of time before collecting the death benefit. Policies with stable premium structures, such as universal life, whole life, guaranteed universal life, and convertible term policies, typically attract more interest from buyers.

It is important to understand that online estimates are only rough projections. The actual value of a policy is determined after buyers review the policy details and medical information.

Through Settle’s marketplace, multiple licensed buyers can evaluate a policy and compete to submit offers. This competitive process can help policyholders understand the true market value of their policy and potentially receive higher offers than they might from a single buyer.

Even if the final offer is lower than expected, a life settlement can still provide meaningful value—especially if it replaces ongoing premium payments or prevents the policy from lapsing with no return.

why settle?
Compare offers before deciding to sell your life insurance policy
Settle replaces hidden fees and paperwork with a digital process that gives you full visibility from offer to payout.
Comparison
Settle
Others
Commission
Fixed
Up to 30%
Process
Fully digital
Paper-heavy & slow
Buyer Access
Multiple buyers
Limited network
Speed to Offer
Within days
4–8 weeks
Extra Fees
Never
Often hidden
Privacy & Security
100% confidential
Shared across middlemen
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