Settle Advisor Global Referral Program

The world’s leading platform for life settlement referrals. Built for scale, driven by results, and trusted by top professionals worldwide.

Settle Advisor Global Referral Program

The world’s leading platform for life settlement referrals. Built for scale, driven by results, and trusted by top professionals worldwide.

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Join a Trusted Program in a $60B Industry

Settle Advisor helps life insurance policy owners unlock cash value from policies that no longer meet their needs.The life settlement market is valued at more than $60 billion in 2025. Every year, over $200 billion in policies lapse or are surrendered. In many cases, no value is returned to the policyholder.

This is a massive, under-served market. As an affiliate, you can participate in this opportunity by referring consumers exploring their life settlement options. No license or prior industry experience is required.

Why Join Our Referral Program?

Partner with a trusted leader delivering transparent life settlement solutions to seniors nationwide.

  • A Leading Life Settlement MarketplaceWe connect seniors and policy owners with trusted, transparent solutions to unlock cash value in their life insurance policies.
  • No Licensing or Insurance Experience RequiredCreated for individuals passionate about assisting seniors while earning referral income.
  • Competitive Referral CommissionsReceive clear, transparent commissions for every policy owner referral that results in a completed settlement.
  • Tracking & ReportingAccess a secure dashboard to monitor referrals and commissions anytime.
  • Ready-to-Use ResourcesWe provide all necessary tools, including print and digital materials, to help you refer with confidence.
  • Dedicated SupportOur team is here to help you maximize your success every step of the way.
  • Why Join Our Referral Program?

    Partner with a trusted leader delivering transparent life settlement solutions to seniors nationwide.

  • A Leading Life Settlement MarketplaceWe connect seniors and policy owners with trusted, transparent solutions to unlock cash value in their life insurance policies.
  • No Licensing or Insurance Experience RequiredCreated for individuals passionate about assisting seniors while earning referral income.
  • Competitive Referral CommissionsReceive clear, transparent commissions for every policy owner referral that results in a completed settlement.
  • Tracking & ReportingAccess a secure dashboard to monitor referrals and commissions anytime.
  • Ready-to-Use ResourcesWe provide all necessary tools, including print and digital materials, to help you refer with confidence.
  • Dedicated SupportOur team is here to help you maximize your success every step of the way.
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    Who Should Consider Joining

    ✔︎ Performance Marketers & AdvertisersTap into a $60B+ industry with proven demand and high-value conversions.
    ✔︎ Publishers & Website OwnersMonetize traffic with a financial product few audiences know exists.
    ✔︎ Content Creators & InfluencersTurn trust and reach into referral revenue with a market-ready program.
    ✔︎ Affiliate Networks & AgenciesAdd a compliant, high‑payout offer to your lineup and scale your revenue.
    ✔︎ Entrepreneurs & Growth PartnersBe part of a $200B market, restoring unclaimed life insurance value to seniors.

    How the Program Works

    Register Quickly

    Sign up, and once approved, you’ll receive access to your unique referral links and tracking dashboard.

    Share With Eligible Policy Owners

    Refer seniors or family members with life insurance policies that may be worth exploring.

    Earn Referral Commissions

    You earn a commission when your referral successfully completes a settlement through Settle Advisor.

    The Scale of the Opportunity

    Every year, more than $200 billion in life insurance policies lapse or are surrendered. The life settlement market is valued at over $60 billion in 2025 and continues to expand as awareness grows. Despite the size, awareness remains low. This creates a rare, powerful referral opportunity in a large, underserved market.As an affiliate, you’re positioned to capture value at the forefront of this growing industry, with best-in-class tools and support.

    $200B+
    Value lost annually in life insurance policies that lapse or are surrendered
    $60B+
    Estimated life settlement market size in 2025
    <10%
    Estimated consumer awareness of life settlements today

    Why Now Is the Time to Join

    The life settlement industry is evolving rapidly. Increased consumer awareness, regulatory clarity, and technological advances are driving unprecedented growth.

    Demand is accelerating as more policy owners seek alternatives to lapsing or surrendering policies with little or no value.

    Referral programs in financial services are booming — but very few tap into this large, underserved market.

    Settle Advisor’s platform is built for scale with modern assets, best-in-class support, and transparent commissions.

    Joining today puts you at the forefront of a growing $60B+ industry with proven referral potential and unmatched support.

    ★★★★★ "The Settle Advisor team makes it easy to promote a product few people know exists. High commissions and a market with almost no competition right now."
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    Angela D.Content Creator & Affiliate Partner
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    Competitive Tiered Commissions, Built to Reward Your Growth

    Earn commissions that rise sharply with settlement size, designed for serious earning potential.

    $500 commission for policies settled between $100,000 and $499,999

    $750 commission for policies settled between $500,000 and $999,999

    $1,000 commission for policies settled between $1,000,000 and $4,999,999

    $1,250 commission for policies settled between $5,000,000 and $9,999,999

    $1,500 commission for policies settled between $10,000,000 and $14,999,999

    $2,000 commission for policies settled at $15,000,000 and above

    * Commissions are paid promptly after settlements close and tracked in your secure referral dashboard.

    Referral Partners Share Their Success Stories

    Hear firsthand how adding life settlements has transformed partner offerings and revenue.

    "Very Impressed!"


    "We had 3 term policies this year that were going to lapse before we mentioned a life settlement to the clients. All three closed, providing money for these clients who were going to walk away for nothing. Great tool and an even better company."
    James B

    "Best in the Business!"

    "The best in the business… Simple. Do not waste your time elsewhere. These guys know settlements and are damn good at it."
    Mark U.

    Their Work Speaks for Itself.

    “They got my client a $30k offer on a case everyone else told me had no value. I don't know what kind of magic they are doing but they definitely have some tricks up their sleeves. Their work speaks for itself.”
    John W.

    Join a Growing Network of High-Performing Partners

    Settle Advisor partners with advisors, affiliates, and industry leaders from performance marketers to content creators, earning in a market few have tapped.

    Be part of the solution. Be part of the growth.

    Billions in Policy Value UnlockedOur marketplace delivers high‑value settlements for policy owners and new revenue for partners.
    Modern Program DesignTransparent commissions, dedicated support, and the proven resources partners need to scale successfully.
    Timing Is EverythingConsumer awareness is still under 10%. Partners who act now position themselves ahead of the curve.
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    FAQ

    Frequently asked questions answered.

    Do I need a license to participate?

    No. Our referral program is open to both licensed and non-licensed affiliates. No insurance experience is required.

    How are commissions paid?

    Commissions are entered and paid promptly after a referred policy completes settlement. Payments are issued via money wire, direct deposit, or check. (Payouts are tracked in your affiliate dashboard)

    Who qualifies as a referral?

    A qualified referral is any life insurance policy owner who may be eligible for a life settlement review.

    Most policies that qualify have:

    • A face value of at least $100,000

    • The insured typically age 65 or older, or younger with certain health conditions

    • Policy types such as Universal Life, Convertible Term, Whole Life, or Group coverage

    Our team conducts a free, confidential review to determine eligibility.

    How do I track my referrals?

    Your affiliate dashboard provides tracking of referrals, leads, clicks, and commissions.

    Are there marketing materials available?

    Yes. Approved banners, email templates, and other assets are provided to help you promote effectively and compliantly.

    How much can I earn?

    Commissions range from $500 to $2,000 per completed settlement, depending on the policy size. There is no cap on earnings or how many cases you can submit.

    How long does it take for a referral to close?

    Timelines vary based on the policy type and underwriting review. Many settlements close within 30–90 days after initial submission. In some cases, qualifying policies can receive initial bids from our investor network in as little as 24 hours.

    What support will I receive?

    Settle Advisor provides world-class support for our referral partners and their clients. Our dedicated team ensures every policy owner receives expert, compassionate service, which leads to higher settlement success and more commissions for you. We’re here to help you maximize your results at every step.
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