Estimate your life insurance policy’s value in minutes with our free viatical settlement calculator. No calls required, no obligation.
Many policyholders don’t realize that their life insurance policy can hold significant value while they’re still alive. Through a life settlement, you can sell your policy to a third-party buyer in exchange for a lump-sum cash payment—often much higher than the cash surrender value offered by your insurance company. This money can be used immediately to help cover medical expenses, ease financial burdens, or support important family needs.
When determining an offer, policy buyers consider factors such as the policy’s face value, your health condition, life expectancy, and premium payment history. These details directly impact how much your policy could be worth in a life settlement. For individuals facing serious health challenges—such as breast cancer, multiple myeloma, thyroid cancer, ALS, or other major illnesses—this option is often explored before allowing a policy to lapse.
In many cases, settlement offers can reach six figures, depending on the policy’s size, premium requirements, and the insured’s health profile. For those who qualify, a life settlement can turn an overlooked asset into meaningful financial support when it matters most.
Contact American Life Fund to see whether you qualify.
What is a Viatical Settlement Calculator?
A viatical settlement calculator gives you an estimate of how much money your life insurance policy could return if you decide to sell it. The calculator uses key inputs such as face value, health status, and premium payments to generate an expected value range based on how life settlement buyers assess policies in real transactions.
This estimate reflects what life settlement companies and institutional buyers might offer in a life settlement, not what a life insurance carrier would pay if you canceled your policy. The difference can be huge. A calculator gives you an estimate without paperwork, phone calls, or medical exams. It’s built to give you fast insight, especially when time matters.
You may be looking at large future premiums or holding onto a policy you no longer need. In those cases, the calculator helps you decide if a life settlement is worth exploring. It’s most helpful for people actively managing serious health conditions like lung cancer, ALS, sarcoma cancer or many other life threatening conditions. Every estimate is private and specific to the information you enter. It’s the most direct way to begin the life settlement process and see if your policy holds more value than you thought.
How Is a Viatical Settlement Estimate Calculated?
Estimates are generated using the same criteria that professional life settlement buyers and companies apply when evaluating real policies. Key factors include the face value of your life insurance, your current and projected premiums, and your health status. Depending on these variables, offers can reach as high as 70% of your policy’s face value. These numbers are based on real market activity—not guesswork—and reflect what buyers are currently paying for similar policies.
Here’s an example: imagine you own a $250,000 universal life policy with monthly premiums of $300. The policy has no outstanding loans and is in good standing. A settlement company projects your total future premiums at about $10,000. That amount is deducted from the face value, along with a buyer’s margin tied to investment expectations. The outcome: a potential offer of $175,000—or 70% of the policy’s full value. No waiting for maturity. No surrender penalties. No ongoing premium payments.
This is exactly what the Viatical Settlement Calculator is designed to replicate. It uses real-world valuation methods to deliver an instant, private estimate based on the information you provide. The more accurate your inputs, the more precise your estimate will be. And while no calculator can replace an official offer, using this tool is the quickest way to understand what your policy might truly return.
Who Uses a Life Settlement Calculator and Why?
A life settlement calculator is used by people who want to understand the real value of their life insurance policy and want to see that value now, not later. It’s fast, private, and often the first step before speaking to a life settlement company.
Here’s who uses it and why it matters:
- Insured individuals managing serious health conditions
People fighting brain cancer, pancreatic cancer, ALS and many other serious conditions often use the calculator to see if their policy qualifies for a viatical settlement. - Those living with complex or long-term diagnoses
This includes anyone affected by female reproductive cancer, esophageal cancer, renal cancer or any other complex diagnosis. The calculator highlights whether selling your life insurance could offer more value than holding it. - Policyholders burdened by premium payments
For many, future premiums create long-term costs with little benefit. An estimate helps measure if keeping the policy is still financially sound. - Financial professionals
An insured, policy owner, or financial representative may use the settlement calculator to assess if a policy should be considered for a life settlement transaction. - People who want clear numbers before committing
Instead of general advice, the calculator delivers a policy-specific estimate. It replaces assumptions with a measurable outcome.
The calculator doesn’t replace action, but it starts the process with clarity. If the result looks promising, the next step is simple, get a personalized review and see if the numbers hold up.
What the Calculator Can—and Can’t—Tell You
The calculator gives you a data-based estimate of what your life insurance policy may be worth in today’s life settlement market. It applies industry logic used by life settlement buyers and companies, using your input to generate a fast, realistic result.
It shows you:
- A projected payout amount based on face value, premium payments, and health status
- How your policy compares to what buyers are currently offering
- An early signal of whether your policy qualifies for a viatical settlement
- The financial difference between keeping the policy or selling it
It doesn’t:
- Guarantee a final offer
- Account for every policy clause or loan
- Replace a policy review by a life settlement company
The calculator gives you a clear starting point. If your estimate meets expectations, the next step is easy. A direct review of your life insurance policy confirms the full value, taking you from possibility to payout.
Most Policy Types Qualify—And Asking Is Worth It
Life settlement companies evaluate nearly all types of life insurance policies. That includes term, universal, whole life, group policies from employers, and joint coverage. The structure of the policy may affect how it’s valued, but it rarely disqualifies it outright.
Many policyholders wait too long because they assume theirs won’t qualify. That assumption often costs them thousands. If you’re unsure, use the calculator or speak to a specialist. The numbers speak for themselves.
Every estimate begins with a simple question: What could my policy actually be worth? The answer isn’t guesswork. It’s calculated using current market activity and applied buyer criteria. You don’t need to commit to anything to find out. You just need to ask.
Try the Viatical Settlement Calculator Today
The calculator takes less than two minutes. It gives you a private estimate based on real numbers used in the life settlement process. There are no obligations and it’s a completely free tool to use.
If you’re paying premiums on a policy you might not keep, or managing a condition that affects long-term planning, the estimate can show you what you may be missing. Some policies return up to 70% of their face value. That could mean tens or hundreds of thousands of dollars and in some cases, millions, available now.
You don’t need to decide anything today. You only need to know what your policy could be worth.
