How much is a $100,000 life insurance policy worth if you sell it?

A $100,000 life insurance policy typically sells for somewhere between $10,000 and $30,000 in a life settlement, though the exact figure depends heavily on your age, health status, and the type of policy you own.

Older sellers with serious health conditions often receive offers closer to the higher end, sometimes 20 to 30 percent of face value, since buyers expect a shorter payout timeline. Younger, healthier policyholders usually get less, often under 20 percent.

Term policies generally sell for less than permanent policies, and premiums still owed reduce your net payout. Getting quotes from multiple licensed life settlement brokers is the best way to find your policy’s real market value.