How Agents And Advisors Can Assist
And Earn Commission From Life Settlements
From Lapsed to Lucrative: $0 Offer Turned Into A $97,000 Settlement
Before you go any further, understand that your client probably doesn’t qualify for a life settlement.
In a recent life settlement case, a healthy 85-year-old woman had a $300k life insurance policy that she no longer required. Instead of letting the policy lapse and receiving nothing from the insurance company, Windsor helped her secure a $97,000 life settlement. She used this cash payment to enhance her retirement savings.
Age 85
Policy-owner
$ 300,000
Policy Face Amount
$ 97,000
Life Settlement Value
$ 6,000
Advisor Compensation
Advisors Deserve More Than Gratitude
For advisors and agents, partnering with a life settlement broker opens the door to stronger client relationships, new revenue opportunities, and a distinct competitive edge. By helping clients uncover the hidden market value of life insurance policies—often worth far more than the cash surrender value—you position yourself as a true fiduciary, offering solutions others overlook. Windsor provides full back-end support, handles every step of the settlement process, and sources competitive offers through a wide network of institutional and private buyers. Best of all, we offer the highest commission payouts in the industry, ensuring your expertise is rewarded as generously as your client’s policy.
Know the Value. Lead the Conversation.
For clients aged 75 or older—or living with significant health concerns—their life insurance policy could be a lifeline, not a liability. And with Windsor by your side, you’re not just selling a policy. You’re opening a door to liquidity, security, and dignity.
If You Don’t Ask What It’s Worth, Who Will?
We represent the client, not the buyer. That means no smoke and mirrors or pressure tactics. Avoid seemingly endless phone calls and emails with direct buyers trying to secure the best price for your client. We bring buyers to the table—from major institutional players to seasoned private capital—and we have them compete. Your client gets the highest offer, your reputation gets a polish, and you get a new line of revenue without lifting anything heavier than a phone.
Frequently Asked Questions
How is my commission determined?
Windsor offers the highest commission payouts in the industry, with full transparency. Your compensation is based on the final settlement value, and we’ll walk you through the structure in advance so there are no surprises.
Will my client be pressured to sell?
Not at all. We act as a fiduciary-focused broker, which means we represent your client’s best interest—not any specific buyer. Our role is to educate, present real market offers, and let your client decide what’s best for their situation.
Are life settlements taxable?
Yes — in most cases, life settlements are taxable. The IRS does not treat them as tax-free windfalls. Exception: Viatical settlements (where the insured is terminally ill) are generally tax-free under federal law.
Can I stay involved in the client conversation throughout the process?
Absolutely. You remain the primary advisor to your client. We provide support and expertise behind the scenes, while you stay front and center in the relationship.
Is there a cost to submit a case or request an appraisal?
No. There are no upfront fees to submit a policy for review or receive a market valuation. If your client decides not to move forward, there’s no obligation or penalty.
How does the process work?
Windsor handles everything—from case review to market bidding to closing. Advisors simply submit basic policy and health information, and we take care of sourcing competitive offers, managing paperwork, and communicating with buyers. You remain involved and informed at every step.
How long does the process take?
On average, the process takes 45 to 60 days from initial submission to funding. Windsor manages all moving parts to keep things efficient, transparent, and on track.
What happens if the client decides not to sell after receiving an offer?
Nothing—your client is under no obligation to accept. We’re here to inform, not pressure. If the offer doesn’t align with their goals, we simply close the file and part ways professionally.
What types of policies are eligible for a life settlement?
Most commonly, we work with universal life, whole life, and convertible term policies with a face value of $100,000 or more. Policies typically qualify if the insured is over age 75 or has experienced a significant decline in health.
Is this process compliant with state regulations?
Yes. Windsor operates with strict adherence to all applicable state laws and life settlement regulations. We also provide full documentation and disclosures to ensure compliance for both the advisor and the client.
