9/23/2026 11:13 PM (PST)

If you are asking what is my life insurance policy worth, there are several factors that can affect its value. These may include the policy’s death benefit, type of coverage, premium payments, cash surrender value, remaining term, and the insured person’s circumstances. For a permanent policy, your insurance company can provide information about its current cash value and cash surrender value. If you are considering selling the policy, a life settlement provider can also evaluate whether it may qualify for a settlement offer. The value of a life settlement is not necessarily the same as the policy’s cash value or death benefit. Comparing these amounts can help you understand your available options.