Citizens Life Group is a fellow life settlement broker. Licensed, representing the policyowner, acting as a fiduciary to the seller, and putting buyers in competition rather than passing along a single offer.

Publishing the license lines is worth calling out. Most firms in this market write the word licensed and stop there. Citizens names the specific Florida authorities it holds and tells readers where to check them.

There is an affiliation to understand. Founding Principal Jeff Hallman is also Co-Founder and Managing Partner of Asset Life Settlements, a Florida-licensed viatical settlement brokerage that appears separately in this directory. Where Citizens Life Group does not hold a direct license, cases are worked with affiliated brokers who also represent the seller. Citizens discloses the relationship and the financial interest on its site, in its privacy policy, and in writing before any transaction closes.

Their reviews show the model doing its job. One seller had several companies look at a parent policy and Citizens produced the highest bid. Another learned their term coverage was convertible, which is the detail that turns a policy with no resale value into a sale. A third received an offer many times larger than the carrier buyback. Those are broker outcomes. A single buyer does not produce them because there is nothing to compare against.

The useful takeaway is not which broker to choose. It is what to ask. How many buyers will see the policy, can they be named, what is the fee, and which state issued the license. Citizens can answer all four, and has already answered the last one in public.