Your policy may be worth more than you think.
Often far more than the surrender value. The free appraisal shows an estimated range in about a minute, and you never have to sell.
Same policy. Very different outcomes.
Averages from LISA 2025 Annual Market Data. Not Settle results, and not a prediction for any policy.
Average paid to owners who sold, 2025
$212,066
LISA
Average surrender value, 2025
$24,360
For the same policies
Policies sold in 2025
2,955
Across LISA members
Four things matter most.
Not sure? The appraisal checks for you.
Policy type
Universal, whole and convertible term are what buyers look for.
Coverage
The death benefit. Most buyers look for $100,000 or more.
Age
Most people who sell are 65 or older.
Health
Unlike buying insurance, health changes can raise the value.
A real range. Not a sales pitch.
An estimated range appears on screen right away. No one calls unless you ask. If you go further, real offers come from licensed buyers after they review your policy.
Your policy may be worth
Fair questions.
No. It’s an estimate based on your answers. Real offers come from licensed buyers after they review your policy and records.
No. The appraisal and the process are free to you. If a sale closes, Settle may be paid by our provider partners, never by you.
Buyers base offers partly on life expectancy. Unlike buying insurance, a change in health can raise what a policy is worth.
Often, if it can be converted to a permanent policy first. The appraisal checks the details for you.
It can be. Part of the proceeds may be taxable, depending on what you’ve paid in and your situation. Talk to a tax professional before you decide.