Accelerated Life Solutions vs. Habersham Funding
Independent licensed broker vs. provider — see how they compare
Quick Summary
Accelerated Life Solutions
- Type:
- Independent Broker
- Headquarters:
- Delray Beach, FL
- Founded:
- 1994
Habersham Funding
- Type:
- Provider
- Headquarters:
- Atlanta, GA
Detailed Comparison
| Factor | Accelerated Life Solutions | Habersham Funding |
|---|---|---|
| Business Model | Independent Broker | Provider (Direct Buyer) |
| Who They Represent | The policyowner — fiduciary advocacy | Their own investment interests |
| Competitive Bidding | Yes — multiple institutional buyers | No — single buyer |
| Fiduciary Advocacy | Yes | No |
| Fee Transparency | Disclosed at closing | Varies |
| Advisor Relationship | Works through financial advisors | Direct-to-consumer or varies |
Why an Independent Broker Typically Delivers Higher Payouts
When a policyowner goes directly to a provider like Habersham Funding, they receive a single offer from one buyer. That buyer is purchasing the policy as an investment — their financial incentive is to pay as little as possible.
An independent broker like Accelerated Life Solutions takes a fundamentally different approach. We submit your policy to multiple qualified institutional buyers simultaneously, creating a competitive bidding environment. This market-driven process helps ensure policyowners receive the highest available offer.
Industry data suggests that policies sold through competitive broker-managed auctions can yield 20–50% more than offers from a single direct buyer. Results vary based on policy specifics and market conditions.
Habersham Funding: Pros & Cons
Pros
- Established Georgia-based provider
- Direct buyer with accessible process
- Active in the southeastern life settlement market
Cons
- Direct buyer — represents their own investment interests, not the policyowner's
- No competitive bidding process — policyowner receives a single offer
- No fiduciary obligation to the policyowner
- Policyowner cannot verify if the offer reflects true market value
- Regional focus may limit market access
Why Advisors Choose Accelerated Life Solutions
True Independence
We never buy policies ourselves. Zero conflict of interest means your client's best outcome is always our only objective.
Competitive Bidding Process
Every case is submitted to multiple qualified institutional buyers, creating a market-driven auction that maximizes payout potential.
Advisor-First Model
We work through financial professionals — advisors, CPAs, estate planners, and trustees — not around them. Your client relationship stays intact.
30+ Years of Experience
Since 1994, our team has handled thousands of life settlement transactions across all major policy types. Licensed in multiple states with nationwide reach.
Frequently Asked Questions
Get a Free Policy Valuation
Find out what your client's policy may be worth through our competitive bidding process — no cost, no obligation.