Value and offers
What buyers weigh, estimates versus offers, and comparing them.
Does my outstanding policy loan affect eligibility or value?
Yes, an outstanding loan on your life insurance policy can affect both eligibility and the potential value of a life settlement, but it does not automatically disqualify the policy. Many policies with loans are still eligible to be reviewed through Settle’s marketplace.
How do insurers and buyers calculate an offer for my policy?
Insurance companies themselves do not participate in life settlements. Instead, licensed buyers evaluate policies and determine what they are willing to pay.
How much can I expect to receive for my policy?
Offers vary by policy, age, health and premiums. A life settlement can pay up to 9x the cash surrender value*, but an estimate is not a guaranteed offer.
What factors determine the value of my life insurance policy?
The value of a life insurance policy in a settlement depends on several factors that influence the long-term cost and potential return for buyers. When you submit a policy through Settle, licensed buyers review multiple elements to determine how much they may be willing to offer.
