Your life expectancy has the greatest impact on the settlement value. The lower your life expectancy, the higher the value.
Make sure you provide a complete set of all medical records available, including specific diagnoses for a serious medical condition mentioned in doctor's notes. You need labs or evidence to support that diagnoses to get the most accurate max value.
We can't speak for other brokers, but at Silverman Life Settlements we guarantee maximum valuations and honor our fiduciary duty to always represent our clients' best interests. How do we do that? By going to the marketplace only with your most favorable life expectancy to get you the highest bid possible.