Referral Partner Program

Help your client unlock policy value they didn't know they had.

Turn a policy your client no longer needs into a conversation they'll thank you for.

If you work with seniors, some of them are paying premiums on a policy that no longer serves them. A quick introduction to Lifestone could put real money back in their hands — and strengthen your client relationship in the process.

Apply to Partner ↓

100% confidential · No obligation · Family-owned firm

QUICK CLIENT REFERRAL

Have a client to refer — or just want to explore the program?

Either way, start here. We'll take it from a quick conversation.

First Name

Last Name

Your Email

Your Phone

Your Role

If you have a specific client in mind. Skip if you're just exploring.

Client Age

Policy Type

Estimated Face Value

Time-Sensitive

Got a lapse notice on your desk right now?

A policy about to lapse may still be worth tens of thousands of dollars — but once it lapses, the window closes permanently. Act now.

Refer This Client Now →

How It Works

Three steps. Zero burden on you.

Submit a quick referral
Fill out the short form above with your name, email, and a few basics about your client's policy. Takes less than 2 minutes.
We handle everything
From there, we coordinate next steps — policy evaluation, paperwork, carrier coordination, and closing. We work with you on how client contact is handled, and you stay informed throughout.
Your client gets paid
Your client receives a lump sum — often 4 to 11× more than the surrender value. Referral compensation is discussed on your partner onboarding call.

You choose how involved you want to be. Some partners prefer a warm introduction and let us take it from there. Others stay as the primary point of contact. We follow your lead and respect your client relationship above all else.

Why This Matters

Most of your senior clients are sitting on a hidden asset. The advisor who points it out is the one they remember.

— The Lifestone Principle

4–11×

More than surrender value, on average

Because your client should know their full set of options before they sign anything.

2–3 wksTypical time to a firm offer

$100k+Minimum policy face value

Family-ownedPersonal attention on every case

What Partners Say

Professionals who trust Lifestone with their clients.

My client was about to lapse a $500,000 policy. I reached out to Lifestone and within three weeks she had a firm offer for $110,000. She cried when I called to tell her. That's why I keep referring.

Independent Life Insurance AgentFlorida

The process was completely hands-off for me. I submitted the form, Lifestone handled everything, and my client walked away with real money. My referral took less than five minutes.

Certified Financial PlannerTexas

I was skeptical at first, but the team at Lifestone was transparent every step of the way. My clients feel respected, not sold to. That alignment with my values is what keeps me referring.

Estate Planning AttorneyGeorgia

Who We Work With

Built for professionals who put their clients first.

Life Insurance Agents

You already understand policy value better than anyone. When a client no longer needs their coverage, a life settlement is a natural next step.

Financial Advisors

Life insurance is often a client's largest overlooked asset. A life settlement can unlock liquidity for retirement, care, or estate restructuring.

Estate Attorneys

When reviewing a client's estate, an unneeded life insurance policy may represent significant untapped value. We make the process simple.

Financial Planners

Help your clients see the full picture. A policy they were about to let lapse could be worth substantially more than they think.

Why Partner With Us

A firm that treats your clients like our own.

Family-owned and personal

No call centers, no handoffs. Your clients speak with real people who know their case and genuinely care about the outcome.

100% confidential

Your client relationships stay yours. We never market to your clients or share their information with anyone.

iii

We do all the work

Zero burden on you or your client. We handle the paperwork, insurance company coordination, and closing process from start to finish.

Competitive compensation

Discussed personally on our onboarding call. We believe in transparent, direct conversations rather than fine print.

Get Started

Ready to start the conversation?

Most partners start with a quick call. If you'd rather apply by form, that works too.

Preferred

A 15-minute call is the fastest way to start.

We'll walk you through how the partner program works, answer your questions, and get you set up. No commitment, no pressure.

Available weekdays · 9 AM – 5 PM EST

Prefer to apply by form?

Become a Partner

We'll reach out within 1 business day to set up an intro call.

First Name*

Last Name*

Email Address*

Phone Number*

Firm / Company Name*

Your Role*

Questions

Questions we hear from partners.

Compensation is available for qualifying referrals and is discussed personally during your partner onboarding call. We believe in transparent conversations rather than fine print.

In most cases, no. However, requirements vary by state. We'll walk you through any state-specific requirements during your onboarding call.

Very little. You make the introduction and fill out a short form. Lifestone handles every step of the process from there.

Absolutely. We treat every referred client with the same personal attention we give all our clients — no pressure, no runaround, just honest guidance.

Most clients receive a firm offer within 2 to 3 weeks of starting the process.

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