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 can be inconsistent. Many traditional brokers use percentage-based compensation that may equal approximately 20% to 30% of settlement proceeds, and the final fee is often not known until closing. That makes it difficult to advise clients with certainty. Industry groups such as the Life Insurance Settlement Association emphasize transparency as a core part of life settlement regulation nationwide.

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 may hold you responsible for the referral.

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

No Negotiation Required

With percentage-based brokers, advisors and agents may feel pressure to negotiate fees on behalf of their clients. That puts you in an uncomfortable position — are you negotiating hard enough? Is the initial ask fair?

With Trust Life Settlements, there is nothing to negotiate. The settlement offer determines which tier applies, and each tier has a fixed dollar fee. A $500K settlement costs $30,000. A $750K settlement costs $45,000. The same published Flat-Fee schedule applies consistently to every client. 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. With a percentage-based broker, every additional dollar of offer increases the broker's fee — so your client gives up a share of their own gains, and the total cost isn't known until the deal closes.

Our flat fee addresses both problems. Trust uses predetermined fixed-dollar fee tiers rather than compensation calculated as a percentage of the settlement. A $200,000 settlement falls in Tier 2 ($15,000 fee) while an $800,000 settlement falls in Tier 5 ($60,000 fee) — but in both cases the fee is a known, predetermined dollar amount rather than a percentage that scales with every additional dollar. Our only job is to get the best offer from our network of 20+ institutional buyers — and your client keeps the difference.

Life settlements are regulated at the state level. You can confirm a broker's license through your state department of insurance, listed by the National Association of Insurance Commissioners.

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 its cash value alone, you can connect them with a settlement option that may put significantly more money in their pocket.

Our qualification criteria are straightforward, and we handle the process from policy review to closing. You get to introduce your client to an option they may not have known existed — with minimal administrative burden for you.

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.