About Us How It Works Do You Qualify Policy Evaluator FAQ Application Privacy Learn More AGENTS Resources & Links Compliance Statement Home Are you interested in selling your life insurance policy? You can determine the marketability of your life insurance policy by using our automated Senior Life Settlement Policy Evaluator. The higher your total score, the higher the offer for your policy will likely be. Please be aware that to qualify for a senior life settlement, your policy must be at least two years old, past all contestability periods, and be issued by U.S. insurance company.    Age of Insured    Under 70  0 70 to 76  + 1 77 to 83  + 2 84 to 90  + 3 Over 90  + 4    Sex of Insured    Female  0   Male  + 1        Health of Insured    Healthy and active for age - 0     Minor medical conditions under control + 2     Moderate medical conditions such as Diabetes Type 1 or Parkinson's Diseases + 4     Major medical conditions, such as Heart Disease or Stroke + 8     Smoker    No  -0   Yes  +2        Policy Type    Term   - 2   Convertible Term   + 2        Whole Life   + 4    Universal Life   + 4       Cash Surrender Value    Over 50% of death benefit - 4      40-49% of death benefit - 3      30-39% of death benefit - 2      20 to 29% of death benefit - 1      10-19% of death benefit - 0      less than 10% of death benefit + 2        Annual Premiums as Percent of Policy's Face Value    Over 7% + 0      6% + 1      5% + 2      4% + 3      3% + 4      2% or less + 5        Policy Marketability    Your Total Score        Total Score    Status    0 - 9    Currently Not Marketable    10 - 13    Marketable    14 - 17    Very Marketable    18 +    Highly Marketable   Contact Us  |  Site Map  |  AGENTS