Lighthouse Life vs. Trust Life Settlements
Direct buyer specializing in fast, hassle-free transactions. See how they compare to our flat-fee, transparent approach.
About Lighthouse Life
Lighthouse Life is a direct buyer of life insurance policies, meaning they purchase policies directly from policyholders for their own portfolio. They emphasize speed and simplicity, but as a single buyer, there is no competitive bidding process to drive up the price.
Founded
2014
Headquarters
Seattle, WA
Fee Structure
No broker fee (direct buyer — margin built into offer)
Minimum Policy
$75,000 face value
How Lighthouse Life Works
Provide policy details through their website or phone.
They quickly evaluate and provide an initial offer (often within days).
If you're interested, they handle all paperwork and medical records.
Transaction closes and you receive payment, typically within 30–60 days.
Typical timeline: 30–60 days typical
Lighthouse Life: Pros & Cons
Pros
- Very fast process — often 30–60 days
- Lower minimum policy size ($75,000)
- Simple, streamlined experience
- No separate broker commission
Cons
- Single buyer — no competitive bidding
- Speed comes at the cost of potentially lower offer
- No independent broker advocating for you
- Profit margin means offer is below market value
Lighthouse Life vs. Trust Life Settlements
See exactly how our approach differs — and why policyholders keep more with Trust.
One buyer — one offer, take it or leave it
20+ buyers compete for the highest price
Fast but potentially lower payout
Balanced approach — competitive pricing without unnecessary delays
No advocacy — they buy for their own profit
We work for you — legally obligated to act in your interest
Offer reflects their required investment return
Buyer offers reflect fair market value through competition
Estimate Your Policy Value
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Who Qualifies with Lighthouse Life?
Policyholders age 65+ (or 60+ with health issues)
Policies with at least $75,000 face value
Universal life, whole life, and term policies
Those who prioritize speed over maximizing payout
Think you qualify? Compare offers.
Even if you qualify with Lighthouse Life, 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 EligibilityLighthouse Life FAQ
Is Lighthouse Life a broker?
No, Lighthouse Life is a direct buyer. They purchase policies for their own portfolio, which means there's no competitive bidding. Their offer reflects what works for their investment needs, not necessarily the best market price for you.
Why is Lighthouse Life so fast?
As a direct buyer, they don't need to market your policy to multiple parties. This speeds things up but eliminates competition that could drive your price higher.
Should I choose speed or best price?
If you need cash urgently, speed matters. But for most policyholders, waiting a few extra weeks for competitive bidding can result in tens of thousands of dollars more — a worthwhile trade-off.
Get a Better Deal Than Lighthouse Life
Our flat-fee model and competitive bidding process means you keep more of your settlement. Get a free, no-obligation policy review today.