In order to answer the above question one must first understand the key issues involved in valuing life settlement policies. Settlement policies are life insurance contracts that the insured either no longer wants to keep in force, or can no longer afford the premiums, so they sell them to third party Buyers. The Buyers pay a purchase price for the life settlement policies and take over the premium payments in exchange for the future death benefit. When deciding how much to pay for settlement policies the Buyers must try to accurately project the total cost to acquire, and keep, coverage in force until a claim is paid. So the question of whether Term or Whole Life insurance is more valuable as life settlement policies is dependent on the life expectancy of the insured. The shorter the life expectancy the more money a Buyer will be willing to pay – regardless of whether it is Term or Whole Life insurance. To get an idea of which settlement policies are more valuable – Term or Whole Life – a quick and easy way to get a free estimate is to complete a confidential questionnaire here LIVEpdq.