Private, client-side calculation

Life Settlement Calculator

Estimate a possible life settlement offer range, net proceeds and value compared with surrendering a life insurance policy.

STEP 01📄

Enter policy details

Add the death benefit, cash surrender value and annual premium.

STEP 02🧭

Add insured profile

Include age, estimated life expectancy and policy type.

STEP 03💰

Review estimated value

Compare a possible offer range, net proceeds and surrender value.

Estimated Offer

—

midpoint estimate

💰

Offer Range

—

illustrative range

↔️

Net Proceeds

—

after estimated costs

✅

Above Surrender

—

estimated extra value

📈

Benefit Percentage

—

offer ÷ death benefit

％

Policy & Insured Details

Death benefit $500,000

Insured age 75 years

Life expectancy 10 years

Death benefit

Cash surrender value

Annual premium

Policy type

Insured age

yrs

Life expectancy

yrs

Estimated transaction costs

Policy status

Estimated Settlement Value

—ESTIMATED MIDPOINT OFFER

SurrenderLow offerMidpointHigh offerDeath benefit

Enter your details and click Calculate.

Value Comparison

Cash surrender value—

Gross settlement estimate—

Estimated transaction costs—

Estimated net proceeds—

Extra value vs surrender—

Settlement Metrics

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Low Estimate

—

Mid Estimate

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High Estimate

—

Benefit %

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Future Premiums

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Vs Surrender

SMART INSIGHT

Your result summary will appear here after calculation.

Calculation Breakdown

Policy death benefit—

Age / life expectancy factor—

Policy type factor—

Premium burden—

Gross offer estimate—

Net proceeds estimate—

Before You Proceed

Request several offersProvider pricing can vary significantly for the same policy.

Review tax consequencesA settlement may have taxable components depending on your situation.

Check benefit needsSelling the policy removes or reduces the benefit for beneficiaries.

Verify licensing and feesUse properly licensed professionals and understand all costs.

Offer Scenario Range

Conservative—higher discount assumptions

Estimated—midpoint illustration

Favorable—stronger market conditions

Calculate to compare settlement scenarios.

What Changes the Offer?

Life expectancy scenario 10 years

Adjusted midpoint offer—

Adjusted net proceeds—

Difference from current estimate—

Calculate first, then move the slider.

Frequently Asked Questions

A life settlement is the sale of an existing life insurance policy to a third party for more than its cash surrender value but less than its death benefit. The buyer usually becomes responsible for future premiums and receives the death benefit.

No. It is an educational illustration based on simplified assumptions. Actual offers depend on underwriting, medical records, carrier strength, premium schedules, policy structure, market demand, fees and applicable law.

Offers may be higher when life expectancy is shorter, the policy has a large death benefit, future premiums are manageable, the carrier is financially strong and the policy is structured favorably.

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Financial and Insurance Disclaimer

This calculator provides a simplified educational estimate only and is not a life settlement offer, appraisal, tax opinion or financial recommendation. Eligibility, valuation, taxes, privacy rules and consumer protections vary by policy and jurisdiction. Consult licensed insurance, legal, tax and financial professionals before selling a life insurance policy.

Life Settlement Calculator

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