EIN Presswire
Company Press Release
What Determines a Policy's Life Settlement Value?
Trust Life Settlements explains how a life insurance policy's potential market value differs from its death benefit.
Read Published ReleaseThe Nation's True Flat-Fee Life Settlement Broker
A Flat-Fee Life Settlement
Broker That Helps You
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Trust Life Settlements is an independent life settlement broker representing policyowners who want to explore selling an unwanted or unaffordable life insurance policy. We market qualifying policies to multiple institutional buyers, seek competitive offers, and charge a published flat fee based on settlement proceeds.
Client-CentricFlat-Fee BrokerAdvisor-FriendlyFiduciary Duty
Policy Value Realized
Cash Surrender Value
$47,000
Life Settlement Offer
$185,000+293%
Our Flat Fee (Tier 2)$15,000
Hypothetical Broker Fee (25%)$46,250
Broker Fee Difference
$31,250
Illustration comparing broker fees on the same settlement offer. Other transaction costs and taxes are excluded. Percentage example is hypothetical.
State Licensed Broker
100% Confidential
Regulated by State DOI
Response Within One Business Day
Why Choose Trust Life Settlements?
Know What Your Life Settlement Broker Charges Before You Start
Unlike traditional percentage-based brokerage models, Trust Life Settlements publishes its actual Flat-Fee pricing schedule online, so policyowners know what our brokerage fee will be before accepting an offer. Our fee is paid from the life settlement proceeds only when a transaction is completed.
Life settlement broker fees and commissions can significantly affect how much of your settlement you ultimately keep. Our Flat-Fee approach uses a predetermined capped fee based on the amount of the offer — not a percentage of your life settlement offer or the face amount.
As an independent life settlement broker, we market your policy to multiple qualified life settlement providers and investors to seek competitive offers. Within each applicable tier, the brokerage fee is a predetermined dollar amount rather than a percentage of the settlement offer.
You know before you decide to work with us.
That's why we say,
“Don't just compare the offer. Compare what you keep.”
True 5-Tier Flat-Fee — No Exceptions
One of five predetermined capped fees based on the amount of the offer — not a percentage of your life settlement offer or the face amount. No percentage commissions, no backend compensation from buyers, no bid markups, and no spreads.
Licensed Fiduciary
Licensed life settlement broker with a fiduciary duty to the policyowner. We represent only the seller — never the buyer — and put every detail in writing before you commit.
Fully Independent
We do not operate a funding arm or buy policies. We are not affiliated with any insurance company, buyer, or provider. Our only obligation is to you.
Trust Life Settlements built its business around one simple promise: you deserve more of your money.
What Does Your Life Settlement Broker Do?
Trust Life Settlements represents the policyowner throughout the potential sale of a qualifying life insurance policy. We review policy information, coordinate medical records and life expectancy underwriting, market the policy to potential institutional buyers, seek and negotiate offers, and explain broker compensation and estimated net proceeds. If you accept an offer, we help coordinate the transaction through closing. You decide whether to sell.
Client Stories
Real Families. Real Results.
Every family's situation is different. Here's what some of our clients have to say.
“We had no idea we could sell our life insurance policy. Trust Life Settlements walked us through every step and we received far more than we expected — and the fee was remarkably fair.”
Robert & Helen M.
Florida • Ages 74 & 71
“After my wife's passing I was looking at surrendering my policy for the cash value. Trust Life Settlements got me nearly 4x more than the surrender amount — I had no idea that was even possible.”
James T.
Texas • Age 78
“The flat-fee structure was a breath of fresh air. I knew exactly what I'd pay from day one. No surprises, no percentage games. Michael was patient and answered every question I had.”
Patricia C.
California • Age 69
“We were about to let the policy lapse because we couldn't keep up with the premiums. A friend told us to call Trust Life Settlements first. Best phone call we ever made.”
Donald & Shirley B.
Arizona • Ages 81 & 77
Secure Portal
Track Your Case Every Step of the Way
Our secure client portal gives you real-time visibility into your settlement — from submission to payout.
Submit Online
Complete your policy details and upload documents securely from any device.
Real-Time Updates
See exactly where your case stands at every stage — no guessing, no waiting for callbacks.
Secure Documents
Upload and sign documents digitally with industry-standard encryption protecting your data.
Compare Offers
Review and compare multiple offers side-by-side, then choose the best one for you.
Simple 5-Step Process
From first call to cash in hand — we handle everything.
01
Free Review
Submit your policy info
02
Application
We handle paperwork
03
Marketing
Sent to competing buyers
04
Offers
Compare & choose
05
Get Paid
Funds after closing
What Is a Life Settlement?
A life settlement is the sale of an existing life insurance policy to a third-party buyer for a lump-sum cash payment — more than the cash surrender value, but less than the full death benefit. After the sale, the buyer assumes ownership and all future premium payments.
Policyholders aged 65 or older with policies of $100,000 or more often qualify. Instead of lapsing or surrendering a policy for pennies on the dollar, a life settlement turns that asset into meaningful funds you can use right now — for retirement, healthcare, long-term care, or anything else.
Life settlements are regulated by state insurance departments. Many traditional life settlement brokers charge percentage-based fees that may equal approximately 20%–30% of settlement proceeds. Trust Life Settlements charges a flat fee that is transparent and known upfront, paid from the settlement proceeds at closing — so you always know what you keep and never pay out of pocket.
The average life settlement pays 3–8x more than the cash surrender value.
You May Qualify If You:
Are age 65 or older (some cases 55+)
Have a life insurance policy of $100,000 or more
Have experienced a change in health since purchasing your policy
No longer need or can afford your premium payments
Want to fund retirement, healthcare, or long-term care
Free Valuation
Get Your Free Policy Valuation
Find out what your policy could be worth in today's market. No obligation, completely confidential.
Free — no cost or obligation
Confidential — your info is secure
Fast — response within 24 hours
Speak with a Licensed Specialist
Free consultation. No obligation. Mon–Fri 9am–7pm · Sat 9am–5pm · Sun 10am–3pm ET
Trust Life Settlements in the News
Recent press releases and industry announcements.
Trust Life Settlements, LLC is an independent, flat-fee life settlement broker representing policyowners. Explore published announcements about transparent broker compensation, competitive institutional-buyer offers, and how life insurance policies are valued in the secondary market.
The National Law Review
Syndicated Press Release
A Flat-Fee Alternative to Traditional Broker Commissions
A syndicated announcement explaining Trust Life Settlements' transparent flat-fee brokerage model.
Read Published Release
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