Most seniors surrender a policy for pennies — or let it lapse for nothing.
When a client no longer needs their coverage, a life settlement can turn a lapsing policy into one of the best financial outcomes of their retirement. And it reflects well on the advisor who brought it to them.
You bring the case. We run the market.
Built for advisors, not around them.
You stay the advisor of record
We never cross-sell your client. Settle handles the settlement transaction and reports back to you — the relationship, and the reinvested proceeds, stay with you.
Full transparency on every offer
You and your client see every bid we receive, who made it, and what our compensation is. Nothing is negotiated behind a curtain.
Licensed, compliant case handling
HIPAA-compliant medical record collection, licensed providers and brokers on every transaction, and documented state-required disclosures throughout.
No cost to you or your client
Appraisals and market bids are free. If your client does not accept an offer, nobody owes anything.
You are paid on every case that closes.
Advisors receive competitive referral compensation on completed settlements. The exact figure is disclosed in writing — to you and to your client — before a case proceeds, alongside all broker and provider compensation. Nothing is owed if a case does not close.
Two or three of these, and the policy is worth appraising.
- Client is age 65 or older (younger with a serious health condition)
- Face value of $100,000 or more
- Universal life, whole life, or convertible term
- A meaningful change in health since the policy was issued
- Premiums are becoming a burden, or the policy is heading toward lapse
- The coverage need the policy was bought for no longer exists
Three steps. No paperwork upfront.
Book an intro call
Fifteen minutes with a licensed specialist to walk through your book and how cases are handled.
Send the policy basics
Insured age, carrier, face value, policy type, and premium. That is enough for an indicative range.
We run the market
We take the case to the buyer network, report every offer back to you, and close with your client.