Life Settlement Advisors vs. Trust Life Settlements
Full-service life settlement brokerage for high-value policies. See how they compare to our flat-fee, transparent approach.
About Life Settlement Advisors
Life Settlement Advisors is a life settlement brokerage firm that represents policyholders looking to sell their life insurance policies. As a broker, they shop policies to multiple buyers, but they typically charge commission-based fees that can take 20–30% of the settlement proceeds.
Founded
2005
Headquarters
Orlando, FL
Fee Structure
Commission-based (typically 20–30% of settlement)
Minimum Policy
$250,000 face value
How Life Settlement Advisors Works
You submit your policy details for an initial evaluation.
If eligible, they request medical records and policy illustrations.
Your case is marketed to their network of institutional buyers.
They present the best offers and help negotiate terms.
Typical timeline: 3–5 months typical
Life Settlement Advisors: Pros & Cons
Pros
- Shops policies to multiple institutional buyers
- Experienced team with industry knowledge
- Licensed in multiple states
- Acts as seller's representative in negotiations
Cons
- Commission-based fees of 20–30% reduce your net payout
- Higher minimum policy requirement ($250,000)
- Fees may not be fully disclosed upfront
- Commission creates incentive to close quickly, not necessarily at best price
Life Settlement Advisors vs. Trust Life Settlements
See exactly how our approach differs — and why policyholders keep more with Trust.
20–30% commission eats into your payout
Flat fee known before you commit — you keep more
$250,000 minimum policy size
$100,000 minimum — more policyholders qualify
Commission creates incentive to close fast
Flat fee means no incentive to rush — we wait for the best offer
Fee percentage may not be disclosed until later
Full fee disclosed in writing before you sign anything
Estimate Your Policy Value
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Who Qualifies with Life Settlement Advisors?
Policyholders age 65 or older
Life insurance policies with at least $250,000 face value
Universal life, whole life, and convertible term policies
Policyholders with a change in health since the policy was issued
Think you qualify? Compare offers.
Even if you qualify with Life Settlement Advisors, 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 Settlement Advisors FAQ
How much does Life Settlement Advisors charge?
Like most traditional brokers, Life Settlement Advisors typically charges a commission of 20–30% of the gross settlement amount. On a $200,000 settlement, that could mean $40,000–$60,000 in fees.
Do they shop to multiple buyers?
Yes, as a broker they do submit to multiple buyers. However, their high commission means a significant portion of what buyers offer goes to fees rather than to you.
What is their minimum policy size?
Life Settlement Advisors typically requires a minimum face value of $250,000, which excludes many policyholders who could otherwise qualify for a life settlement.
Get a Better Deal Than Life Settlement Advisors
Our flat-fee model and competitive bidding process means you keep more of your settlement. Get a free, no-obligation policy review today.