The marketing and the legal pages describe two different things, and both are worth reading. The site talks about fiduciary brokers working for the seller and about running a competitive bidding process. The privacy policy states that Citizens Life Group itself is not a broker, does not buy policies, and is not a fiduciary to the seller.

Both can be true at once. The fiduciary is the brokerage the case is referred to, not Citizens Life Group. Founding Principal Jeff Hallman is also Co-Founder and Managing Partner of Asset Life Settlements, a Florida licensed viatical settlement brokerage that also appears in this directory, and qualified enquiries submitted through the Citizens site are typically referred there.

Windsor will give credit where it is due. That affiliation is disclosed on the site, in the privacy policy, and in writing before a transaction closes. Citizens Life Group also states plainly that a seller is free to obtain offers from other brokerages, engage their own broker, or walk away. That is a higher standard of disclosure than most referral operations in this market meet, and considerably higher than several companies listed in this directory.

The practical point for a policyowner is simply to know who is who. The firm answering the phone is making an introduction. A different licensed brokerage will represent the seller and owe them a fiduciary duty. Asking which brokerage the case goes to, and what the referring firm earns when it closes, takes one question and Citizens Life Group will answer it.