Viatical Settlement Brokers

Brokers vs. Direct Buyers

The difference between a broker and a buyer is simple — but critical.
A broker represents the policyholder. A buyer represents their own financial interest.

Companies that advertise on television or online often present themselves as “advisors,” but many are owned by the very funds purchasing your policy. That means every “choice” you’re offered still leads to the same destination: one buyer, one agenda, and one outcome — a smaller check for you.

A licensed broker, on the other hand, has a legal duty to act in your best interest. Windsor’s independence ensures that your policy is never pre-sold, pre-priced, or controlled by a single investor. Instead, it’s introduced to a broad marketplace where qualified buyers must compete openly.

How Independent Brokers Increase Your Payout

Because a broker’s job is to create competition, policies represented by brokers often sell for significantly more than those sold directly to a single company. The Life Insurance Settlement Association (LISA) notes that brokered transactions generally produce higher returns for policyholders because multiple institutional buyers are involved in the bidding process.

Windsor leverages that competition. Once we’ve reviewed your policy and confirmed eligibility, we introduce it to licensed buyers nationwide, track incoming offers, and negotiate until the best possible price is achieved. You remain informed and in control at every stage, and nothing moves forward without your explicit approval.

Licensing and Compliance

Viatical settlement brokers must be licensed in the state where the policyholder resides. These licenses are issued and regulated by each state’s Department of Insurance, which enforces strict consumer protection standards.

As a licensed broker, Windsor complies with all state requirements, including full disclosure of fees, transparent documentation of every offer, and secure escrow procedures for all funds. We work only with licensed institutional buyers in states where viatical settlements are formally regulated, ensuring that every transaction meets both state and federal compliance standards.

Learn about viatical settlement regulations by state.

How Windsor Is Paid

Windsor’s compensation is built into the transaction and paid by the buyer, not the policyholder. There are no up-front fees, no appraisal charges, and no obligation to proceed. You’ll see all financial terms in writing before you decide whether to accept an offer.

This structure ensures that Windsor’s success is tied directly to yours — the higher the offer you receive, the more successful our work has been.

The Windsor Difference

Many policyholders contact Windsor after receiving “instant offer” ads from national marketing companies, only to discover that those offers were far below the policy’s true value. These companies create the illusion of competition while routing every case to the same investor.

Windsor’s model is built on independence. We are not owned by any fund or provider. We never share your data with multiple lead-generation companies. We never pressure clients with expiring offers. Instead, we manage the process quietly, professionally, and transparently — the way a fiduciary should.

See how the viatical settlement process works.

Why Representation Matters

Selling a life insurance policy is a major financial decision — one that should be guided by an experienced, licensed professional. Working with an independent viatical settlement broker ensures that your interests come first, that every offer is legitimate, and that your rights are protected under state law.

If you’re considering a viatical settlement, let Windsor help you understand your options, evaluate your policy’s true market value, and connect you to the best possible offers — all without pressure or obligation.