Why National Groups, Advisors, CPAs, and Agents Trust Our Flat-Fee Life Settlement Model

A Better Solution for Professionals Who Serve Clients at Scale

If you represent a national group, advise high-net-worth clients, manage estates as a CPA, or serve policyholders as a licensed agent — you already know the life settlement space is plagued by inconsistency. Traditional brokers charge variable commissions ranging from 10% to 30% of proceeds, and the final fee is often unknown until closing. That makes it nearly impossible to advise clients with certainty.

Trust Life Settlements offers a fundamentally different approach. Our flat-fee structure eliminates the guesswork. You can tell your client exactly what they will pay before they commit — no negotiation required, no surprises at closing.

Why Fee Predictability Matters for Your Practice

When you refer a client to a life settlement broker, your reputation is on the line. If that broker charges an opaque percentage that surprises your client at the finish line, the client doesn't blame the broker — they blame you.

Our model solves this. With a transparent 5-tier flat fee based on policy face value, you and your client know the cost upfront. This allows you to:

No Negotiation Required

Traditional brokers often expect advisors and agents to negotiate fees on behalf of their clients. This puts you in an uncomfortable position — are you negotiating hard enough? Is the broker inflating their initial ask?

With Trust Life Settlements, there is nothing to negotiate. The fee is the fee. A $500K settlement costs $30,000. A $750K settlement costs $45,000. Period. This consistency is why national organizations and advisory firms choose us as their preferred settlement partner.

How National Groups and Organizations Benefit

Large organizations — including membership associations, employee benefit groups, and financial planning firms — need a partner who can serve their members with consistency and integrity. Our model provides:

Learn more about our National Accounts program built specifically for organizations and professional referral partners.

Advisors and CPAs: Protect Your Fiduciary Duty

As a fiduciary, you have a legal and ethical obligation to act in your client's best interest. Referring them to a percentage-based broker — where the broker's incentive grows as the client's payout increases — creates a misalignment you cannot ignore.

Our flat fee eliminates that conflict. We earn the same fee regardless of whether your client's settlement is $200,000 or $800,000. Our only job is to get the best offer from our network of 20+ institutional buyers — and your client keeps the difference.

Insurance Agents: Add Value Without Adding Complexity

For agents, life settlements represent an opportunity to serve aging clients whose policies are lapsing or becoming unaffordable. Rather than letting a client surrender a $500,000 policy for pennies on the dollar, you can connect them with a settlement option that puts real money in their pocket.

Our qualification criteria are straightforward, and we handle the entire process from policy review to closing. You get to be the hero who introduced your client to an option they didn't know existed — without taking on any liability or administrative burden.

The Trust Life Settlements Difference for Professional Partners

We built our model with professional referral partners in mind:

Whether you are a solo CPA with a handful of senior clients or a national association with thousands of members, our National Accounts program is designed to scale with you.

Ready to Explore a Partnership?

If you are an advisor, CPA, agent, or organizational leader looking for a predictable, fiduciary-friendly life settlement solution for your clients or members — we would welcome the conversation. Visit our National Accounts page or contact us directly to discuss how we can work together.

You can also explore our fee comparison tool to see exactly how much more your clients keep with our flat-fee model versus a traditional broker.