The Settlement Group
The Settlement Group, Inc. is a licensed life and viatical settlement provider based in Saint Marys, Georgia. It buys policies directly rather than representing sellers, and it has been expanding its state licensing footprint in recent years. The company was granted a Florida viatical settlement provider license in 2025, which opened one of the largest settlement markets in the country to it. It also appears on the California licensed provider list.
- Headquarters
- 501 E. Las Olas Blvd, Ste 200, Fort Lauderdale, FL 33301
- Role
- Direct Buyer
- Direct offers
- Buys policies directly
- Phone
- 912-882-0840
- Contact
- Contact page
What Windsor knows about The Settlement Group
The Settlement Group is a smaller provider that has been quietly adding state licenses rather than buying attention. That pattern usually signals a firm building carefully rather than chasing volume, and it is a reasonable sign.
What it means in practice is limited. A provider that recently entered a market is often hungrier for policies than one that already dominates it, which can help a seller. It also means fewer completed transactions to point at.
The structural point applies here as it does everywhere on this list. A provider makes one offer. It is not obliged to tell a policyowner whether that offer is competitive, because it does not represent the policyowner. Windsor does, and that is the entire difference between the two roles.
What reviewers report.
Independent review coverage for The Settlement Group is thin. Windsor checked Google, Trustpilot and the Better Business Bureau in July 2026 and found no substantial consumer review presence on any of them.
That is unsurprising. The company works from a small Georgia office, runs no consumer advertising, and takes most of its cases through brokers and advisors rather than from the public.
Licensing is the stronger signal here. The Settlement Group appears on state licensed provider lists and was granted a Florida viatical settlement provider license in 2025. Either can be confirmed directly with the relevant state insurance department.
Who qualifies.
Licensed life and viatical settlement provider that purchases policies directly. Holds licenses in a growing list of states including a Florida viatical settlement provider license granted in 2025.
Ownership and corporate structure.
The Settlement Group, Inc. is based in Saint Marys, Georgia and appears on state licensed provider lists including California. Joseph Lucent is named as president in company announcements.
The Settlement Group is a licensed Georgia based life and viatical settlement provider that buys policies directly.
Common questions about The Settlement Group.
Is The Settlement Group legitimate?
Yes. It is a licensed life and viatical settlement provider and appears on state licensed provider lists including California.
Does The Settlement Group buy policies directly?
Yes. It is a provider, which means it purchases policies rather than representing sellers and shopping policies to other buyers.
Which states is it licensed in?
The list has grown over time and now includes Florida, where it received a viatical settlement provider license in 2025. Licensing should be confirmed with the relevant state insurance department.
Does a provider represent the seller?
No. A provider buys for itself and its investors. A licensed broker represents the seller and is a fiduciary.
Who qualifies to sell a policy?
most policyowners do not qualify. Age, health, policy type and face amount all matter, and that is true regardless of which company is looking.
Is a life settlement taxable?
Often partly. The outcome depends on cost basis and on whether the transaction is a life settlement or a viatical settlement. See life settlement taxes.
Details last verified 07/27/2026