Life Settlement Calculator: Estimate Your Policy’s Potential Value
Get an instant estimate of what your life insurance policy could be worth — then see exactly how much you save with our flat-fee structure versus a traditional broker.
Fill in the fields below. Your results will automatically feed into the fee comparison.
No account or portal registration is required to use the calculator. Contact details are requested to generate or discuss your estimate.
Complete the calculator above to unlock the fee comparison sliders.
Step 2: Compare Fees
Adjust the sliders to see how our flat fee compares to an illustrative 20%–30% percentage-based broker fee.
The applicable fixed fee is determined by the settlement-offer tier.
$500,000
$100,000$5,000,000
20%
10%50%
Your Settlement Proceeds
$100,000
Illustrative Broker Fee
$20,000 – $30,000
Example at 20%–30% of settlement proceeds; actual broker fees vary
Trust Life Settlements
$6,000
Flat fee — known before you commit
You Keep More
$14,000 – $24,000
estimated difference versus the illustrative 20%–30% broker fee
This is a general estimate based on industry averages and is not a guarantee, appraisal, or binding offer. Actual settlement amounts depend on your specific policy terms, health records, and buyer demand. Contact Trust Life Settlements for a free, no-obligation policy review.
How This Estimate Works
Industry Averages
Our model is based on publicly available life settlement industry data. Settlement amounts typically range from 10% to 40% of face value.
Key Factors
Age and health status have the largest impact on settlement value. Policy type and premium costs also affect buyer demand and offer amounts.
Not an Appraisal
This tool provides a ballpark range only. A real appraisal requires your full policy documents and health records — which our specialists handle for free.
A life settlement broker fee is the commission or charge you pay when a licensed broker helps you sell your life insurance policy to a third-party buyer. Fee structures vary by broker. Under a percentage-based fee, the cost rises as the settlement amount rises. As an illustration, a 25% fee on a $200,000 settlement would equal $50,000.
At Trust Life Settlements, we replace that percentage-based commission with a transparent, predictable flat fee. Our flat-fee structure means you know exactly what you will pay before you commit, and the fee is paid from settlement proceeds at closing — never out of pocket.
How a Flat-Fee Structure Saves You Money
With a percentage-based fee, the broker’s compensation grows with the size of your settlement, and the total dollar cost may not be clear until an offer is accepted.
With our flat-fee model, our compensation is the predetermined fixed dollar amount assigned to the applicable settlement-offer tier rather than a percentage that increases with every additional dollar of your settlement. As your seller-side broker, we shop your policy to licensed institutional buyers and work for the highest offer — and within each tier, every additional dollar goes to you. The calculator above illustrates the difference in real numbers.
$6,000
$0–$100,000
$15,000
$100,001–$250,000
$30,000
$250,001–$500,000
$45,000
$500,001–$750,000
$60,000
More than $750,000 (maximum)
The applicable flat fee is based on settlement proceeds. Settlements of more than $750,000 carry a $60,000 maximum fee. View the full breakdown on our pricing page.
Who Qualifies for a Life Settlement?
Life settlements are available to policyholders who typically meet the following criteria:
Age 65 or older (some policies qualify at 60+)
Policy face value of $100,000 or more
Universal life, whole life, or convertible term life insurance
A change in health, finances, or coverage needs since the policy was purchased
This calculator provides a ballpark range based on publicly available industry averages. It considers your age, health status, policy type, and face value — the same factors real buyers evaluate. However, actual offers depend on your full medical records, specific policy terms, and current buyer demand. Think of this as a starting point — a free, no-obligation evaluation from our team will give you a much more precise figure.
What if my estimate seems low?
The calculator uses conservative assumptions. Many clients receive offers at or above the high end of their estimated range once buyers review the full details. Factors like recent health changes, convertible term policies, or high face values often push offers higher than the estimate suggests. Contact us for a real evaluation — it's free and you may be surprised.
Are life settlement broker fees negotiable?
Broker fee structures vary, and terms may differ from broker to broker. With Trust Life Settlements, there is nothing to negotiate — our flat fees are published up front and apply to everyone equally.
When do I pay the fee?
Our flat fee is collected only after your settlement closes and you receive your proceeds. There are no upfront costs, retainers, or hidden charges at any point in the process.
Why do age and health matter so much?
Life settlement buyers are purchasing the future death benefit of your policy. An older policyholder or one with significant health changes represents a shorter expected holding period for the buyer — which means they're willing to pay more today. That's why seniors with health changes often receive the strongest offers.
How is a life settlement different from surrendering my policy?
Surrendering your policy means accepting the cash surrender value from your insurance company, which may be less than what the policy could bring on the secondary market. A life settlement sells your policy to institutional buyers who may compete for it. A life settlement may provide more than the policy’s cash surrender value, but the result varies by policy, health profile, premiums, and buyer demand. Compare actual offers and estimated net proceeds before deciding.
Is selling my life insurance policy legal?
Yes. Life settlements are legal and regulated in the vast majority of U.S. states. Trust Life Settlements is a licensed broker operating in compliance with all applicable state regulations.
Does using this calculator commit me to anything?
No. Using the calculator creates no obligation whatsoever. Contact details you provide are used to generate or discuss your estimate and respond to your inquiry, and are handled as described in our Privacy Policy. We do not sell, rent, or trade your personal information to third parties for marketing purposes. If you'd like to take the next step, you can request a free, no-obligation policy review, but that's entirely up to you.
The calculator above gives a ballpark estimate. For a real, market-based valuation, create a free profile and provide two additional pieces of information:
1
Create Your Profile
Click "Sign In" in the top right corner to create a free account. It takes less than a minute. After signing in, you'll be guided through a short onboarding form where you provide your name, phone number, and state of residence. Once complete, you'll land in your personal Client Portal — a secure dashboard where you can track your case, upload documents, and communicate with our team directly.
2
Upload Your Policy Illustration
In your Client Portal, navigate to "Documents" and upload your most recent in-force policy illustration (a PDF from your insurance company showing current values and projections). This is the single most important document for an accurate valuation.
3
Complete the Medical Questionnaire
In your Client Portal, fill out the brief medical questionnaire. This helps buyers assess life expectancy accurately, which directly impacts your offer. The more complete your health information, the more competitive your offers will be.
Why does this matter? Buyers base their offers on three things: your policy details, your health profile, and market competition. The illustration and medical questionnaire give them what they need to make a real, competitive offer — not just a ballpark guess.
Need help? Call us at (800) 216-2513 and we'll walk you through it step by step.
