Flat-Fee Life
Settlements
We help policyholders and financial professionals maximize the value of unwanted life insurance policies — with a transparent flat fee significantly below what traditional brokers charge.
Why Choose Trust Life Settlements?
Trust Life Settlements built its business around one simple promise: you deserve more of your money.
True 5-Tier Flat-Fee — No Exceptions
One of five predetermined fixed fees based on your policy's applicable tier — not the settlement offer. No percentage commissions, no backend compensation from buyers, no bid markups, and no spreads.
Licensed Fiduciary
Licensed life settlement broker with a fiduciary duty to the policyowner. We represent only the seller — never the buyer — and put every detail in writing before you commit.
Fully Independent
We do not operate a funding arm or buy policies. We are not affiliated with any insurance company, buyer, or provider. Our only obligation is to you.
Real Families. Real Results.
Every family's situation is different. Here's what some of our clients have to say.
“We had no idea we could sell our life insurance policy. Trust Life Settlements walked us through every step and we received far more than we expected — and the fee was remarkably fair.”
“After my wife's passing I was looking at surrendering my policy for the cash value. Trust Life Settlements got me nearly 4x more than the surrender amount — I had no idea that was even possible.”
“The flat-fee structure was a breath of fresh air. I knew exactly what I'd pay from day one. No surprises, no percentage games. Michael was patient and answered every question I had.”
“We were about to let the policy lapse because we couldn't keep up with the premiums. A friend told us to call Trust Life Settlements first. Best phone call we ever made.”
Track Your Case Every Step of the Way
Our secure client portal gives you real-time visibility into your settlement — from submission to payout.
Submit Online
Complete your policy details and upload documents securely from any device.
Real-Time Updates
See exactly where your case stands at every stage — no guessing, no waiting for callbacks.
Secure Documents
Upload and sign documents digitally with bank-level encryption protecting your data.
Compare Offers
Review and compare multiple offers side-by-side, then choose the best one for you.
Simple 5-Step Process
From first call to cash in hand — we handle everything.
Free Review
Submit your policy info
Application
We handle paperwork
Marketing
Sent to 20+ buyers
Offers
Compare & choose
Get Paid
Funds in 3-5 days
What Is a Life Settlement?
A life settlement is the sale of an existing life insurance policy to a third-party buyer for a lump-sum cash payment — more than the cash surrender value, but less than the full death benefit. After the sale, the buyer assumes ownership and all future premium payments.
Policyholders aged 65 or older with policies of $100,000 or more often qualify. Instead of lapsing or surrendering a policy for pennies on the dollar, a life settlement turns that asset into meaningful funds you can use right now — for retirement, healthcare, long-term care, or anything else.
Life settlements are regulated by state insurance departments. Traditional brokers charge from 20% to 30% of your proceeds — sometimes even more when transparency or disclosure is not regulated. Trust Life Settlements charges a flat fee, stated upfront, so you always know what you keep.
The average life settlement pays 3–8x more than the cash surrender value.
You May Qualify If You:
Get Your Free Policy Valuation
Find out what your policy could be worth in today's market. No obligation, completely confidential.
Speak with a Licensed Specialist
Free consultation. No obligation. Mon-Fri 9am-7pm ET
Ready to Find Out What Your Policy Is Worth?
Get a free, no-obligation policy review from a licensed life settlement specialist. All consultations are always free and confidential.
No obligation. No hidden fees. Confidential.