Trust Life Settlements
The nation's true flat-fee life settlement broker. Learn about our process, pricing, and fiduciary commitment.
About Trust Life Settlements
Trust Life Settlements is a licensed, independent life settlement broker operating under a fiduciary duty to policyowners. Unlike traditional commission-based brokers who take 20–30% of your settlement, Trust Life Settlements charges a transparent flat fee with five capped pricing tiers and an overall maximum fee cap. Every policy is shopped to 20+ licensed institutional buyers to create competitive bidding and maximize your payout.
Founded
2016
Headquarters
Orlando, FL
Fee Structure
Flat fee — five capped tiers, $6,000–$60,000 maximum
Minimum Policy
$100,000 face value
How Trust Life Settlements Works
Free consultation — discuss your policy, health, and goals with a licensed specialist.
Policy evaluation — we review your policy documents and coordinate medical records.
Competitive bidding — your case is submitted to 20+ institutional buyers.
Offer presentation — every offer is presented with full fee disclosure so you see your exact net proceeds.
Closing — if you accept, we manage the entire closing process and you receive your funds.
Typical timeline: 2–3 months typical
Trust Life Settlements: Pros & Cons
Pros
- Flat-fee pricing — know your cost before you commit
- 20+ institutional buyers compete for your policy
- Licensed fiduciary broker — legally obligated to act in your best interest
- Full transparency — every offer, fee, and cost disclosed in writing
- $100,000 minimum — more policyholders qualify
Cons
- Since 2016 — newer company compared to decades-old brokers (experienced team, modern approach)
Why Trust Life Settlements
See how our flat-fee model compares to the traditional commission-based approach.
Flat fee with five capped tiers — you keep significantly more
20+ buyers compete — driving offers higher
Full fee transparency before you sign anything
Fiduciary duty — we work exclusively for policyowners
Estimate Your Policy Value
Get Your Free Estimate
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Who Qualifies with Trust Life Settlements?
Policyholders age 65 or older (or younger with significant health changes)
Life insurance policies with at least $100,000 face value
Universal life, whole life, and convertible term policies
Policies past the two-year contestability period
Think you qualify? Compare offers.
Even if you qualify with Trust Life Settlements, 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 EligibilityTrust Life Settlements FAQ
What does Trust Life Settlements charge?
We charge a flat fee based on five capped pricing tiers: $6,000 for settlements up to $100,000, $15,000 for up to $250,000, $30,000 for up to $500,000, $45,000 for up to $750,000, and $60,000 maximum for settlements above $750,000. The fee is disclosed before you commit.
How many buyers will see my policy?
Every policy is submitted to our network of 20+ licensed institutional buyers. This competitive bidding process is what drives offers higher than single-buyer transactions.
Is Trust Life Settlements a fiduciary?
Yes. We operate under a fiduciary duty to act exclusively in our clients' best interest. We do not represent buyers or have conflicts of interest.
Get a Better Deal Than Trust Life Settlements
Our flat-fee model and competitive bidding process means you keep more of your settlement. Get a free, no-obligation policy review today.