What is your life insurance policy worth today?
Answer a few simple questions and see an estimated value range in minutes. No documents to start. The decision stays yours.
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Estimated value range
$0.00 to $0.00
Insurer's surrender offer
$0.00
Illustration only. An estimate, not an offer.
Many people let a life insurance policy go without knowing what it may be worth. We show you, in plain words, before you decide.
Instant
See an estimated value range in minutes, not days. No paperwork to start.
Clear
A range, not a guess. We show what drives it and how we calculate it.
Simple
Three simple steps to your estimate, with clear questions and no jargon.
Your policy may be worth more than you think
A permanent life insurance policy can have a market value that is higher than what the insurer offers when you surrender it. Knowing that number helps you choose.
See how it works0
×On policies that were sold in 2025, owners received about 9 times the insurer's surrender offer, on average (LISA).
0
%of policyholders did not know a life insurance policy can be sold (Harbor, 2020).
Every option, explained in plain words
Keep paying and the death benefit stays in place for your beneficiaries. This can make sense if the coverage is still needed and the premium fits your budget.
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Many insurers let you reduce the death benefit to lower the premium, so you keep some coverage at a lower cost.
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Some policies build cash value you can borrow against or use to pay premiums. A loan that is not repaid reduces the death benefit.
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Surrendering pays the cash surrender value and ends the coverage. If premiums stop, the policy lapses, often with nothing paid out.
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A licensed buyer pays you for the policy and takes over the premiums. See what your policy may be worth first, then decide.
Learn moreWhen a free appraisal can help
Four simple steps, at your own pace
Tell us about the policy and answer a few basic health questions. You can skip any of them, and your answers are saved as you go.
Get an estimated value range in minutes, with what drives it. This is an estimate, not an offer.
See every option side by side: keep, reduce, borrow, surrender, or a sale. You decide what fits.
A licensed partner can review your policy and may make you an offer. Nothing is shared until you and the insured person sign.
The people behind your appraisal
Walter D. Gonzales
CEO & Founder
Richard M. Hale
Chief Actuary
Elena R. Cruz
Head of Client Care
Megan L. Price
Case CoordinatorWe appraise policies from all major insurers
Including these and many more. GetPolicyValue.com is not affiliated with or endorsed by any insurance company.
What people did with a clear number
"I was about to let my policy lapse. The appraisal showed it could be worth far more than the surrender offer, so I looked at every option before deciding."
Richard T.Retired contractor, Arizona · Sample review
"A few simple questions and I had an estimated range in minutes. No paperwork and no pressure, just a number I could talk over with my family."
Linda M.Former school principal, Ohio · Sample review
"We were helping my mother decide what to do with her policy. Seeing the estimate next to the surrender value made the conversation so much easier."
Carol D.Helping her mother decide, Florida · Sample reviewPlain answers about your life insurance
- GetPolicyValue team
- July 24, 2025
Got a letter about your policy lapsing? Here is what it means
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