What Age Do You Qualify for a Life Settlement?

Typical Age Requirement

Most life settlement transactions involve policyholders who are age 65 or older. This is generally the range where policies attract the most interest from buyers.

Why Age Matters

Buyers evaluate life expectancy when determining the value of a policy. A shorter expected payout timeline typically increases the attractiveness of the policy.

Can You Qualify If You Are Under 65?

Yes, in some cases. Policyholders under age 65 may qualify if there are significant health changes that affect life expectancy.

Other Key Qualification Factors

• Policy face value (typically $100,000+)
• Policy type (universal, whole, or convertible term)
• Premium affordability
• Health condition of the insured

When Age Alone Is Not Enough

Even if you meet the typical age threshold, other factors such as very low premium costs or excellent health may impact whether a policy qualifies or how it is valued.

Why It Still Makes Sense to Check

Many policyholders assume they do not qualify based on age alone, but eligibility can vary. A review may uncover value that would otherwise be missed.

Next Steps

If you are unsure whether you qualify, the best approach is to have your policy reviewed.

Check your eligibility or learn how to sell your policy.