Become an LCX referral partner
Help Your Clients Sell Life Insurance Policies for Maximum Value
Many clients hold life insurance policies they no longer need, can’t afford, or have outgrown. Too often, these policies are lapsed or surrendered—without exploring the option to sell a life insurance policy through a life settlement.
Policyholders Who Sold Their Life Insurance Received Nearly 9x More Than Insurers Offer.
Licensed providers complete every transaction
Referral fees based on policy face value
No special license or additional E&O required
Partner with LCX Life
Maximize Policy Value
Clients can often receive more than the cash surrender value by selling their policy.
Fully Managed Process
We handle underwriting, buyer negotiations, and closing.
Agent Portal Access
Track cases, stay informed, and manage everything in one secure place.
Referral Compensation
Earn a referral fee when a policy successfully sells, based on the face value of the policy
Advisor-Friendly Approach
We work alongside you—helping you educate and guide your client.
Is Your Client Eligible?
Not sure if a client qualifies? We offer a complimentary and quick Life Settlement Calculator for an instant estimate or request a book-of-business assessment to help identify potential life settlement opportunities for your clients —before making any commitment to work with LCX Life.
Age 70 or older.
Most types qualify.
Age 70 or older.
It is possible to qualify if you are younger and have significant health ailments.
Most types qualify.
Most common are whole, universal, variable, indexed universal, group, and even term insurance in some cases.
$100,000 or more.
A life insurance policy of
How the Process Works
Introduction and Case Intake
Introduce LCX to client. Client to provide basic policy details for a policy review.
Policy Evaluation
We assess eligibility and evaluate the policy for an offer.
Receive Offer
Your client receives a competitive offer from licensed buyers.
Review/Accept Offer
Your client reviews the offer presented and determines whether to proceed.
Closing and Compensation
The transaction is completed, your client receives their settlement proceeds, and you receive your referral bonus.
A Simple Process for You and Your Clients
- Agent Quick Guide
- FAQs for Agents
- Program Overview
- Access to the Agent Portal
Timeline Expectations
Small policies
Larger / complex policies
Factors Impacting Timing: carrier responsiveness, medical records, policy complexity, client review timing.
Ready to Submit a Case?
Whether you have an active case or would like to learn more about the life settlement process, our team is available to assist.
Agent Resources
Client-ready materials, customizable with your branding on request.