If you work with seniors, chances are some of them are sitting on a life insurance policy they no longer need. Referring them to Lifestone takes minutes — and could make a meaningful difference in their financial picture.
Presenting a life settlement isn't just good service — it's your professional responsibility to make sure your client knows every option available to them.
You already understand policy value better than anyone. When a client no longer needs their coverage, a life settlement is a natural next step — and a service that strengthens your relationship.
Life insurance is often a client's largest overlooked asset. A life settlement can unlock liquidity for retirement planning, healthcare costs, or estate restructuring.
When reviewing a client's estate, an unneeded life insurance policy may represent significant untapped value. We make the process simple and fully handled.
Help your clients see the full picture. A policy they were about to let lapse could be worth substantially more than they think.
Share your client's basic policy information using our simple referral form below. It takes less than 2 minutes.
Lifestone manages the entire process directly with your client — review, valuation, offer, and closing. You stay informed throughout.
Your client receives a lump sum. You've added real value to the relationship. Compensation is discussed on our partner onboarding call.
Some partners prefer to make a warm introduction and let Lifestone handle everything directly with the client. Others prefer to stay as the primary point of contact and have us work through them. Both models work perfectly — we follow your lead and respect your client relationship above all else. This is discussed and agreed upon during your onboarding call.
Life circumstances change. So does the need for life insurance. Here are the most common reasons clients choose a life settlement — and why they're grateful someone finally told them.
Premium costs can double or triple as policies age. Rather than letting a valuable policy lapse for nothing, a life settlement turns that burden into a lump sum.
Children are grown. The mortgage is paid. A spouse has passed. When the original reason for the policy no longer exists, selling it makes far more sense than surrendering it.
A life settlement can provide significant liquidity at exactly the moment a client needs it most — funding retirement, travel, care, or simply peace of mind.
Healthcare expenses are one of the leading financial stressors for seniors. A life settlement can provide immediate, tax-advantaged funds to cover care without draining savings.
This is the most urgent scenario. A policy on the verge of lapsing is worth nothing to your client. A life settlement could still recover significant value — but only if someone acts in time.
When a client's estate plan evolves, an unneeded policy doesn't have to disappear. A life settlement turns it into a tangible asset that can be redirected toward their real priorities.
No call centers, no handoffs. Your clients speak with real people who know their case and genuinely care about the outcome.
Your client relationships stay yours. We never market to your clients or share their information with anyone.
Zero burden on you or your client. We handle the paperwork, insurance company coordination, and closing process from start to finish.
Discussed personally on our onboarding call. We believe in transparent, direct conversations rather than fine print.
Fill out the form and a Lifestone partner specialist will reach out within 1 business day to discuss the program, answer your questions, and get you set up.
Thank you. A Lifestone partner specialist will be in touch within 1 business day.
Fill out the form below with your client's basic policy information. We'll take it from there.
Thank you. We'll reach out to your client within 1 business day and keep you informed throughout the process.