LIFE SETTLEMENT CALCULATOR

This is not an official offer and is intended for informational purposes.

Maximize Your Value: Start with a Free Settlement Calculator

Understand the Value of Your Policy with a Life Settlement Calculator

Considering a life settlement? A Life Settlement Calculator is a powerful first step in evaluating the potential value of your life insurance policy. It provides an instant, preliminary estimate based on key factors like:

  • Your age

  • Health status

  • Policy type

  • Death benefit amount

This initial estimate gives you insight into what your policy could be worth—and whether a life settlement makes financial sense for you.

Why Use a Life Settlement Calculator?

  1. Quick, Hassle-Free Valuation
    Get a fast estimate without going through the full application process. It’s a simple, efficient way to see what your policy might fetch—no waiting, no commitment.
  2. Helps You Make Informed Decisions
    While it’s not a formal offer, the estimate gives you a realistic starting point. This helps you weigh your options—whether to pursue a life settlement, keep the policy, or surrender it for cash value.
  3. Saves Time and Reduces Stress
    The calculator lets you explore your policy’s potential without long conversations or paperwork upfront. It’s a low-pressure way to start the process.
  4. A Smart First Step Before Working with a Broker
    Once you have an estimate, you can engage a licensed life settlement broker to refine the valuation and generate real offers. This early insight prepares you to negotiate from a position of knowledge.
  5. Sets Realistic Expectations
    Many policyholders either overestimate or underestimate their policy’s value. A calculator gives a data-backed estimate so you’re not caught off guard later.
  6. Supports Financial Planning
    Whether you want to fund retirement, cover medical bills, pay off debt, or reinvest, knowing your policy’s potential value helps you make strategic financial decisions.
  7. Free and Risk-Free
    Best of all, most calculators—including ours—are completely free and don’t require any commitment. It’s the perfect way to explore your options with zero risk.

Start with Summit Life Settlements

At Summit Life Settlements, we offer an easy-to-use Life Settlement Calculator and the expert support of our experienced Life Settlement Brokers. After using the calculator, we’ll walk you through the full process—from reviewing your eligibility to securing the highest possible offer for your policy.

Use the calculator today to unlock the true value of your life insurance policy and take the first step toward financial flexibility.

HOW SUMMIT LIFE SETTLEMENTS CAN HELP

Maximize the Value of Your Life Insurance Policy with Summit Life Settlements

At Summit Life Settlements, we specialize in helping policyholders unlock the hidden value of their life insurance policies. Our expert team connects you with highly vetted, licensed buyers through our exclusive Summit Life Marketplace, ensuring you receive the most competitive offers available.

Why Choose Summit Life Settlements?

✅ A Carefully Curated Selection of Buyers
We connect you with a handpicked group of Life Settlement Buyers, all thoroughly vetted for professionalism, trustworthiness, and reliability. Our due diligence process ensures each buyer meets strict industry standards, giving you peace of mind throughout your transaction.

✅ Transparent Communication & Customer Education
We prioritize clarity and transparency. From your initial evaluation to the final settlement, we provide clear guidance and education, so you can make well-informed financial decisions every step of the way.

✅ Secure the Best Offers for Your Policy
Through our vast network of licensed institutional buyers, we ensure your policy receives the attention it deserves. Our marketplace structure encourages competitive bidding, helping you maximize your policy’s value.

Our Life Settlement Process

Step 1: Free Life Settlement Estimate
Get started with a Free Estimate using our online tools. This preliminary valuation helps you understand what your policy may be worth on the secondary market.

Step 2: Comprehensive Due Diligence
Our team performs a detailed policy evaluation, including health history, premiums, and policy details, to match your case with the most qualified buyers.

Step 3: Access to the Summit Life Marketplace
Your policy is introduced to our auction-style Summit Life Marketplace, where licensed buyers compete to make the highest bid. This structure ensures you’re not settling for a lowball offer.

Step 4: Expert Negotiation & Final Agreement
We negotiate on your behalf and present the top offer to you. From handling paperwork to meeting legal requirements, we ensure a smooth, transparent process from start to finish.

Why Life Settlements Are a Smart Financial Option

If you no longer need or can afford your life insurance policy, a life settlement can provide a significant lump-sum payment. Use this cash to:

  • Cover medical expenses

  • Fund retirement

  • Pay down debt

  • Or simply gain financial flexibility

Rather than surrendering your policy for little or nothing, a life settlement helps you maximize its true value.

Confidentiality & Privacy Guaranteed

We use advanced encryption and security protocols to protect your personal and financial data. Your information is kept confidential and secure throughout the entire process.

Our Commitment to Your Success

We’re committed to making the life settlement process simple, safe, and successful for you. From free consultations and expert guidance to competitive offers and streamlined support, we’re by your side every step of the way.

Get Started Today!

Don’t let your policy go underutilized. Contact Summit Life Settlements and:

  • Schedule your Free Consultation

  • Get a personalized policy evaluation

  • Access your life settlement calculator and marketplace tools

  • Turn your policy into a powerful financial asset

Contact Us Today to unlock your policy’s full potential!

A life settlement calculator is an online tool that provides an estimated value of your life insurance policy if you were to sell it on the secondary market. It uses inputs such as your age, policy type, face value, premiums, and health status to generate a preliminary range of potential offers.

The estimate is a helpful starting point based on the information you provide, but it is not a final offer. Actual settlement amounts can vary depending on underwriting, life expectancy evaluations, and current buyer interest. A full review involving your policy documents and medical records is needed to receive a formal offer.

To get the most accurate estimate, you should have the following details handy:

  • Your current age
  • Type of life insurance policy (e.g., universal, whole, term)
  • Policy’s face amount (death benefit)
  • Health Status

Face value (also known as the death benefit) is the original amount of money your life insurance policy promises to pay out to your beneficiaries when you pass away—not including any additional cash value, loans, or interest.

✅ Example:

If your policy has a $250,000 face value, that means your beneficiaries would receive $250,000 upon your death, assuming the policy is active and in good standing.

💡 In Life Settlements:

The face value is one of the main factors buyers use to estimate what your policy is worth. Generally, policies with higher face values are more attractive in the secondary market.

Yes. Summit Life Settlements uses bank-level encryption and secure SSL connections to protect your data. We never sell or share your information without your explicit permission. All information submitted is used exclusively to provide your estimate and help you explore your options confidentially.

Yes! Most Life Settlement Calculators, including Summit Life Settlements’ tool, are completely free to use and come with no obligation to move forward.

Typically, policies with a face value of $100,000 or more are eligible. Some buyers may prefer larger policies, but smaller policies can still be valuable in the right circumstances.

The free life settlement estimate is a useful starting point, but it’s not a final offer—it’s a preliminary estimate based on general information like your:

  • Age

  • Health status

  • Type of life insurance policy

  • Policy’s face value

🔍 How Accurate Is It?

  • Fairly accurate for initial planning – It gives you a ballpark range of what your policy could be worth.

  • Not a guaranteed offer – The real value is determined only after a full underwriting process, including medical record review and a life expectancy report.

  • Accuracy improves with better inputs – The more accurate the data you provide (especially health details), the more precise the estimate.

🛠️ Next Steps:

To get a formal, competitive offer, most sellers move from the calculator to working with a licensed broker who shops the policy across multiple buyers.

The Free Estimate Calculator provides estimates within seconds, with no obligation. If follow-up questions are needed, our team may reach out to clarify your inputs to improve the estimate’s accuracy.

After receiving your estimate, you can:

  • Speak with a licensed broker to understand your options
  • Decide if you’d like to proceed with a formal application
  • Submit supporting documents for a full review and receive actual offers

There is no pressure to move forward unless you choose to.

Yes. The calculator can provide early-stage estimates for both life settlements (typically for seniors 65+) and viatical settlements (for individuals with a terminal or chronic illness). Because viatical settlements involve different legal and tax considerations, a follow-up with one of our specialists is recommended.

Key variables include:

  • Age and Health – Shorter life expectancy typically increases offer value.
  • Policy Size and Premiums – Larger face values and lower premiums are more attractive.
  • Policy Type – Universal, whole life, and convertible term policies qualify most often. Market Demand – The appetite of institutional buyers affects offer competitiveness. Carrier Rating – Policies from financially strong insurers are preferred.

Using a calculator gives you a baseline understanding of what your policy might be worth before engaging in negotiations. It helps you avoid lowball offers and empowers you to make informed financial decisions with guidance from professionals—not direct buyers who may not prioritize your best interest.

Most universal life, whole life, and convertible term life policies may qualify. The calculator can help determine if your policy type is potentially eligible. Some term policies may need to be converted before being sold.

A calculator provides an instant estimate, while a formal valuation includes detailed analysis like:

  • Medical underwriting

  • Policy performance reviews

  • Life expectancy reports

This deeper review is needed to generate actual offers from buyers.

After using our calculator, we offer:

  • A free consultation with a licensed expert

  • A custom life settlement evaluator report

  • Access to our Summit Life Marketplace for top-tier bids

  • Full support through every step of the process

We help turn your calculator estimate into a real financial opportunity.