Most policies sell for 4 to 11 times their cash surrender value. The hard part is knowing what yours could fetch. We'll get you a real, broker-reviewed estimate — not a generic guess.
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78-year-old policyholder, $500,000 universal life policy
Illustrative only. Actual offers depend on policy type, carrier, health, and current market conditions.
Typical multiple over cash surrender value
Source: Life Insurance Settlement Association (LISA)
Minimum face value for most life settlements
Industry standard for qualifying policies
Of estimates reviewed by a real Lifestone specialist
Family-owned and operated in Florida
Most policyholders only know two options — keep paying, or walk away. There are usually four. Here's how they compare.
$0
Coverage ends. Years of premiums are gone.
No one — this is the outcome to avoid.
Cash surrender value — often a small fraction of the death benefit
The insurance company buys the policy back at its internal value.
Policyholders who need to exit quickly and don't qualify for a settlement.
Lower coverage, lower or no premiums
You keep a smaller policy in force, or convert a term policy to permanent coverage.
Policyholders who still want some coverage in place.
Typically 4–11× the cash surrender value
An institutional buyer purchases the policy for more than the carrier would pay. You receive a lump sum.
Policyholders 65+ with $100,000+ in coverage and a change in health since the policy was issued.
Comparisons are general. Eligibility and outcomes depend on policy type, carrier, health, and current market conditions.
Age, policy type, face value, and a few health questions. About 60 seconds. No documents required.
A real person at Lifestone reaches out to confirm a few details. Not a script — an actual conversation.
A specialist reviews your actual policy details and what institutional buyers are paying right now — then comes back to you with a real number.
No pressure, no obligation. The estimate is yours to keep, whether you move forward or not.
Life settlements aren't for everyone — and we'll always tell you straight. Here's a quick gut check before you fill anything out.
Not sure where you land? That's exactly what the free review is for — and there's never any obligation either way.
See what your policy could be worthAbout 60 seconds. Free, confidential, no obligation.
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Most policyholders are surprised by what their policy is actually worth. It costs nothing to find out.
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