Life Insurance Settlements Inc. vs. Trust Life Settlements
Commission-based broker with a national presence. See how they compare to our flat-fee, transparent approach.
About Life Insurance Settlements Inc.
Life Insurance Settlements Inc. (LISI) is a nationally licensed life settlement brokerage firm. They represent policyholders and shop their policies to institutional buyers. Operating with a traditional commission model, they charge a percentage of the settlement proceeds as their fee.
Founded
2002
Headquarters
San Diego, CA
Fee Structure
Commission-based (15–25% of settlement typical)
Minimum Policy
$150,000 face value
How Life Insurance Settlements Inc. Works
Initial consultation to evaluate policy eligibility.
Gather medical records and in-force policy illustrations.
Market the case to their buyer network for competitive offers.
Present all offers, negotiate terms, and assist with closing.
Typical timeline: 3–5 months typical
Life Insurance Settlements Inc.: Pros & Cons
Pros
- Licensed in most U.S. states
- Shops to multiple institutional buyers
- Experienced team with industry certifications
- Represents the policyholder as a fiduciary
Cons
- Commission of 15–25% reduces net payout significantly
- Higher minimum policy ($150,000)
- Traditional process can feel slow
- Commission is percentage-based — the more you settle for, the more they take
Life Insurance Settlements Inc. vs. Trust Life Settlements
See exactly how our approach differs — and why policyholders keep more with Trust.
15–25% commission scales with settlement size
Flat fee — doesn't increase as your settlement grows
$150,000 minimum policy
$100,000 minimum — more people qualify
Commission incentivizes closing at any price
Flat fee aligns our interest with getting you the best price
Fee disclosed later in the process
Fee disclosed immediately — no surprises
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Who Qualifies with Life Insurance Settlements Inc.?
Policyholders age 65 or older
Policies with at least $150,000 face value
Universal life, whole life, and convertible term policies
Those with a significant health change or lapsing/surrendering intent
Think you qualify? Compare offers.
Even if you qualify with Life Insurance Settlements Inc., it pays to compare. Trust Life Settlements markets your policy to 20+ institutional buyers with a flat fee — so you know exactly what you'll pay and keep more of your settlement.
Check Your EligibilityLife Insurance Settlements Inc. FAQ
What commission does LISI charge?
Life Insurance Settlements Inc. typically charges 15–25% of the gross settlement amount. On a $300,000 settlement, that's $45,000–$75,000 in fees.
Does LISI have access to many buyers?
Yes, they market to multiple institutional buyers. However, their commission means a substantial portion of what buyers offer goes to fees rather than to you.
How long does the process take?
LISI typically takes 3–5 months from start to close. This is comparable to most brokers and depends on medical record retrieval and buyer interest.
Get a Better Deal Than Life Insurance Settlements Inc.
Our flat-fee model and competitive bidding process means you keep more of your settlement. Get a free, no-obligation policy review today.