Tell Us The Odds℠ by Sutter's Mill Valuation Services

Is this you?

You own a life insurance policy that you don't want anymore. Maybe you don't need the life insurance benefit that it provides, or maybe the premiums have become unaffordable. You've heard that selling your policy in a life settlement might be a smart choice.

We can help

Our explanation of life settlements and our step-by-step guide to valuing your policy will put you on the path to making a difficult decision with more confidence.

1. Read explanation
2. Fill in boxes
3. Get report

What you'll get

Our report is organized into four sections:

Summary of Key Assumptions lists major assumptions that we have used to produce these results.

Life Settlement Value shows the life settlement value before and after transaction costs.

Analysis of Transaction Costs provides a benchmark for judging the reasonableness of costs.

Sell or Keep? discusses how to think about whether to sell or keep your policy.

The cost? Only $0!

Let's go » We will not ask for your name or email to provide a report.

What People Are Saying

If you want to explore a sale, start with TellUsTheOdds.com. It's a free policy valuation service run by two life insurance experts, Glenn Daily, a fee-only insurance adviser, and Douglas Bennett, a highly respected actuary.

Jane Bryant Quinn How to Make Your Money Last: The Indispensable Retirement Guide
Second Edition (2020)

Wait, why is this free? What's the catch?

There's no catch. There is no charge to use this service to learn about life settlements and to explore what your policy might be worth. We do charge a fee for additional help, as we'll explain.

We agree with the critics who have questioned the high level of transaction costs in the life settlement market. To accomplish our goal of obtaining more money for policyowners — after deducting all fees — we have to improve the efficiency of the life settlement process. This educational service is one part of our strategy for providing superior execution at a lower cost.

Let's go » We will not ask for your name or email to provide a report.

Our process

Our free report will help you understand how the life settlement market works. We are available to help you avoid the costly hazards.

Our unique process is designed to help you decide if you want to sell your policy — and to help you get more money, after deducting all fees, if you do decide to sell. It reflects our long experience providing fee-only advice about life insurance to consumers.

Step 1: Initial screening

We have a short conversation to see if a life settlement is a realistic option. We will ask about the insured and the policy. There is no charge for this step.
Step 2: Preliminary valuation and go/no-go decision

We prepare a preliminary valuation, based on information about your policy and a range of life expectancies. We also discuss reasons not to sell your policy now, as well as strategies to follow while you wait to sell. Our fee for this step is based on what we learn in Step 1 and is usually less than $1,500.

Special offer: 30% off if you complete a valuation of your policy using this free educational tool.
Step 3: Policy sale in the life settlement market

We work with a life settlement broker who charges a reduced fee in exchange for reduced risk. With our preliminary valuation as a starting point, the broker develops a strategy for marketing your policy to obtain high offers. You pay for medical records and life expectancy reports, as needed and always subject to your approval. You also pay for our ongoing work, subject to a cap. Upon completion of a sale, the broker’s fee is less than 10% of the gross offer — and this includes all amounts that you have previously paid.