Millions of senior-owned policies are never fully evaluated.

What Is Your Life Insurance Policy Really Worth?

As living and care costs continue to rise, policies that once made sense may no longer fit your current financial picture. Discover your options today with a no-obligation appraisal.

What Is Your Life Insurance Policy Really Worth?

Your policy may have value beyond surrendering it or letting it lapse. Start with a fast, no-cost appraisal.

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Know Your Options: Uncover policies worth keeping, converting, or settling.
Zero Cost to Evaluate: Review your policy value with no upfront fees or pressure.
Maximum Market Value: We pit multiple institutional buyers against each other for you.
Compassionate Support: Dedicated advocates who put your family first every step.

A Decision This Important Deserves Every Option

Every year, seniors walk away from more than $112 billion in life insurance coverage after years of premium payments. Many never learn that certain policies may have value beyond surrendering them or letting them expire.

Every Option On The Table

Before surrendering a policy or letting it expire, explore all viable paths, including life settlements, to ensure your family captures maximum value.

✦ Know What You Own

Millions of seniors spend decades paying premiums without ever determining what their policy may be worth before walking away from it.

✦ A Simple Evaluation Process

We help policy owners understand eligibility, explore potential value, and navigate the process with experienced support every step of the way.

A Decision This Important Deserves Every Option

Every year, seniors walk away from more than $112 billion in life insurance coverage after years of premium payments. Many never learn that certain policies may have value beyond surrendering them or letting them expire.

Every Option On The Table

Before surrendering a policy or letting it expire, understand all available paths so you can make the decision that's right for you and your family.

✦ Know What You Own

Millions of seniors spend decades paying premiums without ever determining what their policy may be worth before walking away from it.

✦ A Simple Evaluation Process

We help policy owners understand eligibility, explore potential value, and navigate the process with experienced support every step of the way.

Life Settlement Eligibility Standards

While every portfolio review requires a case-by-case analysis, standard market qualifiers typically evaluate a few core parameters:

Age & Health

  • Primary target demographic is age 65 or older
  • Exception profiles include younger policyholders with chronic conditions

Policy Categories

  • Universal Life (UL)
  • Guaranteed Universal Life (GUL)
  • Whole Life (WL)
  • Convertible or converted Term Life

Coverage Thresholds

  • Minimum policy face values typically starting at $100,000 or higher

Standing Requirements

  • Contracts must remain active and in good standing
  • Premium payments completely up-to-date during initial appraisal

Unsure If Your Policy Meets the Criteria?

Submit your life insurance policy for a confidential, no-cost evaluation.

Understanding Your Policy’s Value

Just as homes, vehicles, and other valuable assets are routinely appraised before being sold or transferred, a life insurance policy deserves the same level of review.

A fast, confidential appraisal with our team gives you a clear understanding of your policy’s potential value before making any decision.

Policy: $1,500,000 Term Life Insurance Policy
Applied for a life settlement and secured an offer of $500,000, turning

a policy he was about to lose into a major financial win.

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Client Male: Age 68

Policy: $1,500,000 Term Life Insurance
★★★★★

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Understanding Your Policy’s Value

Just as homes, vehicles, and other valuable assets are routinely appraised before being sold or transferred, a life insurance policy deserves the same level of review.

A fast, confidential appraisal helps you understand what your policy may be worth before making any decision.

Policy: $1,500,000 Term Life Insurance Policy
Applied for a life settlement and secured an offer of $500,000, turning a policy he was about to lose into a major financial win.
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Client Male: Age 68

Policy: $1,500,000 Term Life Insurance
★★★★★

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Complete Capital Freedom

How Can You Utilize Life Settlement Proceeds?

A common misconception about life insurance settlements is that restrictions apply to the payout. In reality, policyowners retain complete freedom over how they spend or invest their lump-sum distribution. Common allocations include:

Retirement Cash Flow

Supplementing everyday lifestyle needs and securing consistent retirement liquidity.

Long-Term Healthcare

Covering specialized senior care services and ongoing medical treatment costs.

Debt Elimination

Paying off high-interest obligations or remaining mortgage balances cleanly.

Family & Estate Support

Providing financial security and structured support for spouses or dependents.

Major Life Transitions

Financing relocation, travel goals, or strategic life milestone updates.

Business Investments

Reinvesting capital into personal ventures or diversified portfolio assets.

A Simple, Guided Review Process

You’ve paid into your policy for years. Here’s how to review its potential value in a simple, structured process.

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    Fill Out a Quick Form

    Basic information is collected to begin the review process.

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    Receive a Free Appraisal

    We review your policy and share what it may be worth.

    No fees or commitment.

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    Review Offers and Decide

    If eligible, you’ll see any available offers and decide whether

    to proceed. If accepted, funds are released and premiums stop.

  • Settle Advisor B Advisors.png

    A Simple, Guided Review Process

    You’ve paid into your policy for years. Here’s how to review its potential value in a simple, structured process.

  • 1.png

    Fill Out a Quick Form

    Basic information is collected to begin the review process.

  • 2.png

    Receive a Free Appraisal

    We review your policy and share what it may be worth.

    No fees or commitment.

  • 3.png

    Review Offers and Decide

    If eligible, you’ll see any available offers and decide whether

    to proceed. If accepted, funds are released and premiums stop.

  • Settle Advisor B Advisors.png

    Life Insurance Value Before It Was Lost

    Real outcomes from life insurance policies that had remaining value before lapse or surrender.

    Client: Male, Age 74

    Policy: $525,000 Universal Life (Lincoln Life)

    Problem: Couldn’t afford premiums and was about to let it lapse.

    Solution: Secured $45,000—real value instead of walking away with nothing.

    Client: Female, Age 59

    Policy: $2,000,000 Convertible Term (Prudential)

    Problem: Diagnosed with lung cancer, couldn’t afford to convert the policy.

    Solution: Secured $1.39 million—enough to cover care and time with family..

    Clients: Ages 88 & 87

    Policy: $2,000,000 Survivorship (Pacific Life)

    Problem: No longer needed coverage and couldn’t afford premiums.

    Solution: Secured $240,000—3X more than their surrender value.

    See More Case Stories >

    The case details presented are for illustrative purposes only and may be approximate. Outcomes vary based on individual circumstances.

    Complimentary, No-Obligation Analysis.

    Evaluate Your Policy With Precision

    Receive an objective, no-obligation appraisal of your policy’s current market value. Our licensed internal valuation team provides the data you need to make an informed financial decision.

    Start Your Policy Appraisal
    Get started today with our online appraisal desk.
    Advisor Desk: Kathy

    Hello, I'm Kathy.

    I’m here to help you determine if your policy has secondary market value. May I ask you a few brief questions?

    To help me assess your policy, could you tell me your age bracket?

    Great. Is your policy currently in-force, or has it lapsed?

    And could you let me know the type of policy you hold?

    Who is the carrier for your policy?

    What is the approximate face value?

    What is your approximate annual premium?

    Thank you. Where should I send your appraisal results?

    By clicking "SUBMIT REQUEST", I provide my signature and prior express written consent to be contacted by Settle Advisor at the number and email provided. I agree that Settle Advisor or its partners may contact me via telephone, mobile device, and/or email. I understand that consent is not a condition of purchase. Privacy Policy and Terms of Use.

    Appraisal Request Received.

    Thank you. We've received your request, and a senior advisor will reach out shortly to discuss your policy's potential valuation.

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