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Life Settlement Companies /

LifeTrust

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LifeTrust
trustlifesettlements.com
212-653-0840

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Market Role

Direct Buyer
Buys policies directly

Qualification

Licensed life settlement provider purchasing policies directly in around forty states. Presents selling as one option among several, including retaining the policy, accelerated death benefits and policy loans.

Short Summary

LifeTrust is a licensed life settlement provider based on Madison Avenue in New York and licensed in around forty states. It buys policies directly from policyowners and their advisors. What sets LifeTrust apart in its own materials is the consultative framing. Rather than pushing for a fast transaction, the company presents selling as one option among several, alongside keeping the policy, using an accelerated death benefit, or borrowing against the cash value.
LifeTrust, LLC is based at 330 Madison Avenue in New York and appears on state licensed provider lists including California.
LifeTrust homepage shown on a desktop monitor

Company Reviews

LifeTrust maintains a Google Business Profile carrying no ratings. That is expected for a provider that reaches policyowners through advisors rather than through advertising.

There is no accumulated consumer feedback to weigh in either direction. Licensing is the more useful check and can be confirmed directly with the relevant state insurance department.

last verified:
07/27/2026

A Closer Look For Policyowners

Windsor will give LifeTrust credit that is not given lightly on this list. A direct buyer that tells policyowners about the alternatives to selling, including options that earn the buyer nothing, is doing something most providers do not.

An accelerated death benefit costs a policyowner nothing and pays out directly from the insurance carrier. A policy loan keeps the coverage intact. Neither produces a sale, which means neither produces revenue for a buyer. A provider that raises them anyway is behaving better than the incentive structure requires.

That does not change what LifeTrust is. It is still a provider, it still makes one offer, and it still does not represent the seller. The honest summary is that LifeTrust appears to be a decent actor operating inside a role that has real limits. Windsor is a licensed broker and a fiduciary to the policyowner, which is a different job, not a better version of the same one.

Understanding The Market

Most policyowners never learn that selling is one of four or five options, because the first company they call only profits from one of them. A carrier profits when a policy lapses. A provider profits when a policy sells. Neither is a neutral party.

That is the structural argument for talking to somebody who is paid to represent the seller. A licensed broker is a fiduciary, which means the obligation runs to the policyowner rather than to the transaction. Sometimes the right answer is not to sell at all, and a fiduciary is the only party in the chain with a duty to say so.

Frequently Asked Questions

Is LifeTrust legitimate?

Yes. LifeTrust is a licensed life settlement provider based in New York and appears on state licensed provider lists.

Does LifeTrust buy policies directly?

Yes. It is a provider, which means it purchases policies for itself and its funding partners rather than representing sellers.

What is different about LifeTrust?

Its materials present selling as one option among several, including keeping the policy, using an accelerated death benefit, or taking a policy loan. Most buyers do not raise the alternatives.

Is an accelerated death benefit better than selling?

Sometimes. It pays out directly from the carrier at no cost and requires no sale. Anyone with a terminal or chronic diagnosis should check for one first.

Is LifeTrust a fiduciary to the seller?

No. Providers are not. Licensed life settlement brokers represent the policyowner and are fiduciaries.

How many buyers should see a policy?

As many as will look at it. A single offer, however fairly made, cannot show what the wider market would pay.

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