Accelerated Life Solutions vs. Harbor Life Settlements
Independent broker vs. marketing company — see how they compare
Quick Summary
Accelerated Life Solutions
- Type:
- Independent Broker
- Headquarters:
- Delray Beach, FL
- Founded:
- 2012 (leadership experience since 1994)
Harbor Life Settlements
- Type:
- Marketing Company
- Headquarters:
- See company website
Detailed Comparison
| Factor | Accelerated Life Solutions | Harbor Life Settlements |
|---|---|---|
| Business Model | Independent Broker | Marketing / referral company |
| Who They Represent | The policyowner | Refers policyowners to licensed purchasers |
| Buyer Participation | Presents policies to qualified institutional buyers | See the company’s own description |
| Fee Structure | Determined case by case; always disclosed before the transaction is finalized. | See the company’s own description |
| Who Can Inquire | Financial professionals and individual policyowners | Individual policyowners |
| Years of Experience | Founded 2012 · leadership experience since 1994 | See the company’s own description |
Broker vs. Marketing Company
Some well-known life settlement websites are marketing companies. They advertise to policyowners and pass inquiries to a licensed purchaser, rather than representing the policyowner.
Harbor Life Settlements: according to its website, the company is an advertiser that refers qualified policyowners to licensed purchasers, and is not itself a licensed broker or purchaser.
Accelerated Life Solutions is an independent broker. We represent the policyowner and present the policy to qualified institutional buyers. Broker compensation is determined case by case, considering the circumstances and economics of each transaction, and is always disclosed before the transaction is finalized. Compensation is structured to support successful transactions while staying transparent with the appropriate parties. Applicable compensation and transaction costs are disclosed in accordance with governing state laws and transaction documentation.
Before sharing policy or medical information with any website, ask who will receive it and whether that company is licensed in your state.
Ask any company whether it is a broker, a buyer, or a marketing company, and who will see your information.
Harbor Life Settlements: Pros & Cons
Pros
- Consumer-focused brand and educational content
- Can connect policyowners with a licensed purchaser
Cons
- By its own description, it refers leads rather than representing the policyowner as a broker
- A referral to a purchaser is not the same as having a broker present a policy to more than one buyer
About Accelerated Life Solutions
Independent Broker
We do not buy policies ourselves. We represent the policyowner and present policies to qualified institutional buyers.
Competitive Buyer Participation
Policies are presented to more than one qualified buyer when appropriate, so offers can be compared. Results vary by case.
Advisors and Policyowners
We work with financial professionals and directly with individual policyowners, and coordinate with a policyowner’s advisor as appropriate.
Experience and Disclosure
Founded in 2012, with leadership experience in the life settlement industry since 1994. Broker compensation is determined case by case, considering the circumstances and economics of each transaction, and is always disclosed before the transaction is finalized. Compensation is structured to support successful transactions while staying transparent with the appropriate parties. Applicable compensation and transaction costs are disclosed in accordance with governing state laws and transaction documentation.
Frequently Asked Questions
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Source for Harbor Life Settlements information: Harbor Life Settlements website. Information is described as presented on the company's own site and may change.