Get your estimate in under 2 minutes.
In 2026, more people than ever are using viatical settlements to get cash from life insurance before death: to cover treatments, reduce debt, or take control during uncertain times. If you’ve been diagnosed with a life-threatening illness, you could qualify for a fast cash payout based on your policy’s value.
Our viatical settlement calculator lets you see how much we could pay you for your life insurance policy. No phone calls. No medical exams. No obligation. Just a few simple questions and an instant, private estimate.
Use the calculator now to estimate your viatical settlement value. Offers are based on your age, condition, and policy details. The entire process is confidential and built for speed, most users complete it in under two minutes.
Try the calculator now. It’s free, it’s easy, and it could be worth six figures.
How the Calculator Works
There are no hoops to jump through. Just a few questions about your policy and your health.
We use that information to give you a private estimate of how much we can offer. The calculator looks at the same factors our team uses when reviewing real policies: your age, condition, policy size, and remaining premiums. The more accurate your answers, the more useful the result.
It doesn’t require your full medical history. It doesn’t ask for personal contact details to get started. You don’t even need to call us. Most people complete the process in under two minutes. And if it looks like you qualify, we’re ready to talk next steps, on your terms, not ours.
You’ve already done the hard part by keeping your policy active. The calculator is the easy part.
Try it now. It’s free, it’s fast, and it shows you what your policy could actually be worth, right now.
You May Qualify for a Viatical Settlement If:
- Your life insurance policy has a face value of at least $200,000
- You’ve been diagnosed with a life-threatening or terminal illness
- A doctor has given a life expectancy of 2 years or less
- You’re the policy owner, or have legal authority over it
- Your policy is active and has been in place for at least 2 years
- You hold a convertible term, whole life, universal life, group, or joint policy
- You’re a U.S. resident (some restrictions may apply based on your state)
Read more about eligibility with American Life Fund
What We Look At Closely:
We review your age, diagnosis, policy type, and premium costs to determine what we can offer. If you’re not sure whether your policy qualifies, the calculator will guide you.
Try the calculator now. In less than two minutes, you’ll know if a payout could be possible.
How Much Could You Receive for Selling your Life Insurance Policy?
Examples of Past Payouts
Here are examples of what policyholders have received through viatical settlements:
| Policy Value | Payout up to 70% |
|
$250,000 |
$165,000 |
|
$300,000 |
$180,000 |
|
$500,000 |
$350,000 |
| $600,000 |
$390,000 |
Payouts vary depending on your health, the cost to keep the policy active, and the structure of the coverage. Some offers reach up to 70% of the total policy value.
If you’re carrying a policy you may not need, the calculator gives you a way to see what it could return, instantly.
You’ve already paid into it. Now see what it could pay back.
We’re available 24/7. Give us a call or send us an email to find out how we can help you today.
(877) 261-0632 or info@americanlifefund.com
Why Use the Viatical Settlement Calculator First?
You don’t need to make a decision today. You only need a number. The calculator exists to give you one, quickly, privately, and without anyone asking you to commit to anything. It’s the first step because it gives you clarity without pressure. You control what happens next.
You’ve been paying for your policy. You’ve kept it active. You’ve done everything right. Now it’s time to see what that commitment could return. Most people are surprised when they see the estimate.
Try the calculator now. It takes less than two minutes and you don’t have to speak to anyone.
Why People Choose American Life Fund
- We specialize in viatical settlements for people facing cancer and other life-threatening conditions
- Our process is direct, confidential, and often completed in as little as 1–2 weeks
- Clients work with a single specialist, not passed from person to person
- Our medical underwriting is handled in-house to speed things up
- There are no broker fees, which means you keep more of your offer
- We help track down policy paperwork if needed, no added work for you
- Settlements are often delivered by wire transfer or check, based on what works best for you
We’ve helped thousands of people turn their policies into meaningful financial support. You could be next.
Try the calculator — it’s fast, private, and built for real results.
Frequently Asked Questions
How accurate is the estimate from the calculator?
If you enter real numbers, you’ll get a real estimate. For example, if your policy is worth $300,000, and you’ve listed your premiums and condition accurately, your result will reflect the same approach our specialists use to evaluate policies every day.
Do existing policy loans affect the payout?
Yes. Loans are subtracted from the value.
For instance, if your policy has a $250,000 face value and a $25,000 outstanding loan, the offer is based on the remaining $225,000, not the full amount.
What’s the biggest factor in how much I could receive?
Your life expectancy. A person with a two-year prognosis may receive a significantly higher percentage than someone with a longer outlook. The shorter the term, the higher the value, assuming the policy is in good standing.
Is there a catch after I use the calculator?
No. There’s no follow-up call unless you ask for one. The estimate stands on its own. You can use it to make a decision, or not. Either way, it’s yours.
What if I’m still paying premiums every month?
You don’t have to keep paying if you settle. A viatical settlement gives you a one-time cash payout and ends the need to pay future premiums. It’s one of the main reasons people choose to sell.
Are the funds I receive taxable?
In most cases, no. If you’re certified as terminally ill by a physician, viatical settlement proceeds are typically tax-free under IRS guidelines although some states may vary so it’s best to check before any final decisions are made.
