Referral fees on policies that won’t convert anyway

Clients who will not convert and will not buy new term often head to lapse — $0 for your book. We pay a flat referral fee when a qualifying policy is purchased and the transaction closes.

Convertible term · Ages 55–75 · Sale path only · Non-compete

Why brokers work with us

No rewrite competition

These are not clients shopping for a new term or conversion with you. They want out or cash. If they want to keep or convert with you, that stays your file.

Non-compete

We sign a non-compete: we will not go after that client to rewrite their coverage. Lanes stay clean.

Fee only on close

A flat referral fee when the purchase closes. Limited cooperation (policy details, VOC, conversion help if needed on a sale). No heavy lift.

What qualifies

Insured currently age 55–75 (some under 55 may qualify with a meaningful health change)
Term policy must still be convertible
A health status change since the policy was issued
Policy must qualify for purchase (health, face amount, and carrier all factor in)
Client is open to selling — not only converting or buying new term with you

Get the one-page agreement

Includes fee details and non-compete language. Tell us you’re a broker and we’ll send it.