Working With a Broker
There's a reason the best outcomes start with a broker.
The life settlement market is not a level playing field — unless you have someone leveling it for you.
A life settlement broker is a licensed professional who represents the policyholder — not the buyer — in a life settlement transaction. Brokers expose your policy to multiple competing institutional buyers to maximize your payout.
Working With a Broker
The life settlement market is not a level playing field — unless you have someone leveling it for you.
Going Directly to a Buyer
When you go directly to a buyer, that buyer sets the price. There's no competition. No leverage. No one making sure you're getting the best deal.
The buyer has one goal: acquire your policy at the lowest possible price. That's their job, and they're good at it.
Working With a Broker
A broker changes the equation. We represent you. We take your policy to every major buyer. They compete. You benefit.
When buyers compete, the price goes up. When you have professional representation, you see every offer — and you make an informed decision.
Access to every institutional buyer in the market
We submit your policy to every qualified buyer — not just the ones who happen to call you first.
Competitive bidding that drives up your payout
When multiple buyers see the same opportunity, they compete — and that competition puts more money in your pocket.
Full transparency — you see every offer
No filtering, no cherry-picking. You see what every buyer is willing to pay, and you choose.
Professional guidance through the entire process
From initial review through closing, we handle the paperwork, answer your questions, and keep you informed at every step.
Nothing upfront.
Broker compensation is built into the transaction and only applies if a sale closes. If you don't sell, you pay nothing. If we can't find an offer that makes sense for you, you walk away without owing anything.
This aligns our incentives completely with yours. We only get paid when you get paid — and when you get paid well.
| Factor | Life Settlement Broker | Direct Buyer |
|---|---|---|
| Who they represent | You (the seller) | Themselves (the buyer) |
| Number of offers | Multiple competing bids | One take-it-or-leave-it offer |
| Incentive | Maximize your payout (commission-based) | Minimize your payout (profit margin) |
| Disclosure | Required to show all offers | No obligation to disclose market value |
| Market access | Full institutional buyer network | Single buyer (their own fund) |
| Typical result | Higher payout | Lower payout |
A life settlement broker represents you — the policyholder — in the sale of your life insurance policy. They submit your policy to multiple competing institutional buyers, negotiate on your behalf, and ensure you receive the highest possible offer.
A broker works for you and shops your policy to multiple buyers. A direct buyer works for themselves and makes you a single offer with no competitive bidding. Brokers typically achieve higher payouts because of market competition.
Brokers are paid a commission that comes out of the settlement proceeds — you don't pay anything upfront. The commission is a percentage of the settlement amount, and it's disclosed before you accept any offer.
Check that your broker is licensed by your state's department of insurance. Ask for their license number. A legitimate broker will provide full disclosure of their commission and walk you through every step of the process.
22 years in the life settlement market. Every major buyer. Full transparency. Your interests first.