Multiples of surrender
A typical life settlement pays several times the policy's cash surrender value.
Sell Your Policy
If you no longer need your life insurance policy, you may have options worth far more than surrendering it back to the insurer. We work with seniors and their families to convert unwanted policies into immediate cash through the regulated secondary market.
Talk to us about your policy
No obligation. We will walk you through your options and what your policy could be worth.
Why a Settlement Beats a Surrender
The same policy. A very different outcome for you.
Immediate cash
A lump sum at closing. No deferred or installment structure.
No more premiums
The buyer takes over premium payments. Your obligation ends at the sale.
Fully regulated
Settlements are regulated in 43+ U.S. states, with statutory cooling-off periods.
Typical Outcomes by Face Value
Surrender
2% to 6%
of face value
Settlement
15% to 40%
of face value
Industry ranges. Actual offers vary by age, health, policy type, and carrier.
Settlement Estimator
See how a life settlement compares to surrendering the policy back to the insurer.
Estimate Your Policy's Value
Why settlements pay more than surrender
When you surrender a policy, you receive the cash value set by the insurer. When you sell it on the secondary market, multiple licensed buyers compete based on actuarial value, which typically produces a materially higher payout. The insurance company benefits when a policy lapses or is surrendered. A settlement creates a competitive market for the same contract.
What drives the offer
Real underwriting looks at age, gender, detailed medical records, policy type (universal, whole, term-convertible), face value, premium schedule, and the carrier behind the policy. This calculator uses only the most influential factors to give you an illustrative range. Final offers can sit anywhere within (or occasionally outside) that range depending on the full file.
What happens next
If the gap looks meaningful, the next step is a no-obligation review. You share a copy of the policy, recent statements, and a brief health questionnaire. Our team coordinates licensed brokers and providers to source real offers, which you then review on your own timeline. You are never obligated to accept.
See what your policy could be worth
A short, no-obligation conversation is the fastest way to find out.