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What factors determine how much my policy is worth?

Your settlement amount will be dependant on several factors. Two of the most critical criteria are your age and your current health status. The other key element is policy characteristics, most importantly policy premium costs and policy Face Amount. Policies that have ongoing premium costs that are a low percentage of the face amount are the most attractive.

Here are a few basic rules:

• Older insured and lower cost of insurance – will yield the highest percentage of face offers.
  
• Older insured and higher premiums – will yield an average percentage offers
  
• Younger insured and lower premiums – will yield an average percentage offers
  
• Younger insured and higher premiums- lowest percentage offers or no offers at all.