Offer your clients a non-correlated alternative investment.
Your clients are looking for investments that sit outside the stock market. Our life settlement referral program helps annuity agents, financial planners, life insurance agents, and CPAs connect your qualifying clients with a non correlated qualified provider in our network — delivering a non-correlated, institutional-grade investment opportunity to the client and earning you referral compensation, without disrupting your advisory relationship.
A straightforward answer.
A life settlement referral program allows financial advisors and related professionals to refer clients interested in alternative investments to a firm that presents individually researched life insurance policies for acquisition. The advisor retains the client relationship, the client gains access to a non-correlated, institutional-grade investment, and the referring advisor earns a referral fee paid at closing. High Yield Vault is a consulting firm and does not purchase policies — qualified investors in our network do.
Built for professionals who know their clients best.
Our partner program is designed for advisors who advise their clients on financial, investment or insurance matters. If your clients have capital to invest or have an IRA with a minimum of $25,000 to be able to invest and then convert this opportunity back into their IRA account and would like to invest in a non-correlated single life insurance policy, you likely have candidates for a life settlement in your book today.
Annuity Agents
Annuity agents can now be first to market with a premier, non-correlated investment solution. Your clients gain true diversification while you unlock a brand-new revenue stream alongside their annuity portfolio.
Financial Planners
Planners helping clients diversify retirement portfolios beyond stocks and bonds. A life settlement offers an institutional-grade, non-correlated asset — with IRA-eligible structures that fit directly into the plans you build.
Life Insurance Agents
Agents serving clients who already understand insurance as an asset class. Life settlements give your clients exposure to the tertiary market — a natural extension of the insurance-based conversations you have every day.
CPAs
CPAs whose clients are looking for tax-aware, non-correlated investments. Life settlements offer a differentiated asset that fits within sophisticated portfolio and IRA structures, creating a new value stream for your practice.
Four steps, from referral to closing.
A straightforward workflow designed to minimize your time investment while keeping you informed at every stage. You maintain the client relationship throughout.
Identify
Review your book for candidates: clients with $25K+ to invest (cash or IRA) who want a non-correlated, institutional-grade alternative to market-based investments.
Refer
Submit the client through your Partner Portal or call your dedicated Partner Manager. Minimal data required upfront — we handle the rest.
Co-manage
We present individually researched policies to your client directly or alongside you — your choice. You stay informed through every stage of the investment decision.
Close & earn
If the client invests, the transaction is executed under state-regulated procedures between the investor and the licensed provider network. Referral compensation is paid to you at closing.
Value for you, value for your client.
A well-structured life settlement investment benefits every party involved. Here's what's in it for each side.
For the referring advisor
- Referral compensation paid at closing, without conflict to your core fee structure
- No AUM disruption — this is a complementary asset, not a replacement for your managed portfolio
- Client retention — clients stay with you, grateful you offered them a differentiated opportunity
- First-to-market advantage — few advisors currently offer life settlement access
- Dedicated Partner Manager to coordinate communications and status updates
- Marketing and educational resources to help you discuss life settlements with clients
For your client
- Non-correlated returns — policy performance is independent of market cycles
- Institutional-grade asset class historically delivering 8–12% annual returns
- IRA-eligible — clients can invest through self-directed IRAs with $25K minimum
- Actuarial transparency — individually researched policies with full documentation
- Direct ownership — title transferred directly to the investor, no pooled funds
- State-regulated transaction with full compliance protection
Transparent, paid at closing.
Referral compensation structure
Our referral fees are competitive and consistent with industry standards. Compensation is paid to you at closing, out of the brokerage fee we receive — not deducted from the client's investment amount. This structure aligns incentives and keeps our process transparent for every party.
Exact compensation terms are finalized through our Channel Partner Agreement during onboarding. Specific fee schedules depend on the advisor's regulatory status, volume expectations, and the structure of each referred case.
Resources to help you serve your clients well.
Marketing materials
Client-facing brochures, email templates, and one-page explainers you can send directly to investment candidates in your book. Co-branded options available.
Training & talking points
A short onboarding walkthrough plus a library of talking points on non-correlated investing, tertiary market fundamentals, IRA structures, and common client objections.
Partner Manager
A dedicated contact at High Yield Vault who handles your referrals, coordinates status updates, and answers any question within one business day.
Three situations where a referral makes sense.
Illustrative scenarios — not specific client cases — showing where a life settlement referral creates meaningful value for your client and your practice.
Seeking non-correlated returns
Your client, age 58, has a diversified portfolio and $120K in idle cash. Concerned about market volatility, they want an institutional-grade alternative that does not move with the S&P 500. A single life insurance policy meets that need.
Self-directed IRA diversification
A client, age 52, holds a $450K self-directed IRA. They want exposure to alternatives beyond traditional stocks and bonds. A $75K allocation to a life settlement inside the SDIRA preserves the tax structure while adding non-correlated exposure.
Sophisticated portfolio allocation
A CPA's client, age 65, has a $2M net worth and wants to allocate 5–10% to alternatives. They value direct ownership over pooled funds. A $150K life settlement investment fits as a defined, transparent allocation with actuarial backing.
Scenarios are illustrative and do not represent specific clients or guaranteed outcomes. Actual investment terms vary based on policy availability, client objectives, and market conditions.
Life settlement referral program: answered.
The questions advisors most often ask before joining our partner program.
Apply to the programWill referring a client disrupt my AUM or fee structure?
No. A life settlement is a complementary alternative asset — a differentiated investment that sits alongside the portfolios you manage. We do not advise the client on allocation decisions outside the policy itself; that is your role. In most cases, having access to a non-correlated asset strengthens the overall relationship and your perceived value.
Does High Yield Vault purchase the policy?
No. High Yield Vault is a consulting firm, not a licensed life settlement provider. We do not purchase policies. Qualified investors in our network — including your referred clients — acquire policies directly through our licensed provider network under applicable state regulatory frameworks. Our role is to evaluate, present, educate, and connect.
Am I required to disclose the referral fee to my client?
That depends on your jurisdiction, regulatory body (SEC, FINRA, state insurance department, state bar), and your client agreement. We strongly recommend consulting with your compliance officer or legal counsel before referring. We provide template disclosure language for review, but the responsibility for proper disclosure rests with you as the referring advisor.
How do I know if my client qualifies as an investor?
Qualifying investor candidates generally have $25,000 or more available to invest — either in cash or through a self-directed IRA. They should have a reasonable understanding of alternative investments and long-duration assets. The investment is not liquid, so suitability matters. When in doubt, send the lead — your Partner Manager will review suitability within one business day.
Can my client invest through their IRA?
Yes, through a self-directed IRA (SDIRA) structure. The client's IRA funds purchase the policy, the asset is held inside the IRA, and any eventual proceeds flow back into the IRA account — preserving the tax structure. We coordinate with qualified SDIRA custodians to execute the transaction correctly.
How long does a typical case take?
From initial referral to closing: typically 60 to 90 days. Initial consultation with your client takes 15–30 minutes. Policy review and due diligence takes 2–4 weeks. Closing — title transfer to your client as the new investor — takes an additional 30–60 days.
What if my client decides not to invest?
No harm done. Clients are never pressured. If the opportunity doesn't fit them, they walk away. If you referred in good faith and the transaction didn't close, you owe nothing, we pay nothing, and the client is better informed about the asset class for future consideration.
How do I apply to join the partner program?
Submit the application form below. Your Partner Manager will reach out within one business day for a brief onboarding conversation, review of our Channel Partner Agreement, and discussion of your typical client base. Full activation typically takes less than a week.
High Yield Vault is a consulting firm, not a buyer. We do not purchase life insurance policies for our own account. Our services include policy research, opportunity presentation, educational support for advisors, and connecting qualifying investors with licensed life settlement providers who facilitate the transaction.
All life insurance policy acquisitions are executed directly between the qualified investor (your referred client) and the licensed provider network, under applicable U.S. state regulatory frameworks for life settlement transactions. Title transfer, purchase payment, and ongoing policy ownership flow directly between the investor and the selling policyholder through our provider network.
Participation in the High Yield Vault Advisor Partner Program is subject to execution of our Channel Partner Agreement. Referral compensation is governed by the agreement and is contingent on successful closing of referred investment transactions. Advisors are responsible for disclosure obligations applicable to their profession and jurisdiction. This page is not legal or compliance advice.
Apply to the Advisor Partner Program.
A brief application to get the conversation started. A Partner Manager will reach out within one business day to schedule onboarding.
Partner application
Required fields marked with an asterisk. Your information is confidential.
