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Saul L. Appel, CLU, ChFC

How Much Is My Life Insurance Policy Worth?

Learn which policy, health, and premium factors determine what life insurance may be worth in the settlement market.

Published August 18, 2026

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The value of a life insurance policy depends on several factors: age, health, death benefit, premiums, cash value, policy type, and insurance company.

There is no simple answer without reviewing the actual policy. A large death benefit does not always mean a high offer, and a policy with high premiums may be harder to sell.

A life settlement review compares what the policy may be worth in the market against the surrender value.

If you want to know what your policy may be worth, start with a review.

Policy-Cash.com can help.


Saul L. Appel, CLU®, ChFC® | President, Appel Financial, Inc. | 50+ years experience