Lighthouse Life

What Lighthouse Life does

Lighthouse Life is a U.S. life settlement company that purchases life insurance policies from seniors (typically 65+) who no longer need or can no longer afford them, paying policyowners an average of four or more times the cash surrender value. Founded in 2018 and headquartered in Conshohocken, Pennsylvania, the firm operates as part of LHL Strategies, Inc. — a holding structure that also includes ClearLife Limited, ClearLife Servicing, and Lighthouse Life Solutions, LLC, providing vertically integrated services spanning policy acquisition, trading, valuation, management, and portfolio servicing for both policyowners and institutional asset managers.

The core product is the Life Settlement Services transaction, supported by the Visual Valuator — a proprietary data-driven calculator that combines historical industry knowledge with policy, health, BMI, and life expectancy inputs to produce preliminary valuations. Transactional economics are speed-advantaged versus industry norms: offers are typically made within five business days and closings occur in 45–60 days, compared to multi-month industry timelines. Adjacent product lines include the Advisor Program (a no-additional-licensing partnership for financial professionals) and a healthy-seniors settlement module targeting insureds 70+ with $200,000+ universal life policies.

Revenue is generated through transaction fees embedded in life settlement purchases (Lighthouse buys policies at a discount to face value and either holds or resells them) and through referral/affiliate economics from the Advisor Program. Go-to-market is dual-track: direct-to-consumer via website, phone (1-866-910-4000), chat, and an online calculator; and B2B2C through financial professionals. The firm is licensed to operate in 43 states (excluding Alaska, Kansas, Nebraska, New Hampshire, North Dakota, Vermont, and West Virginia), is BBB A+ accredited with a 5.0-star rating, and has recorded zero consumer complaints to state insurance regulators since 2014. The December 2025 integration of ClearLife and the appointment of a CFO with investor-relations experience signal an intent to scale the institutional asset-management side of the business.

Name

Lighthouse Life

Legal name

Lighthouse Life Direct, LLC

Website

https://lighthouselife.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Lighthouse Life purchases life insurance policies from U.S. seniors (65+) who no longer need or can no longer afford them, paying four or more times cash surrender value. The Conshohocken, PA firm operates a direct-to-consumer and advisor-referral platform within LHL Strategies, Inc.

Ownership category

akta.pro rank

Product category

Life Settlements

NAICS

Insurance Carriers and Related Activities (524)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Life Reinsurance (Mortality) (FSAIANAA)

Keywords

• Life settlement services
• Life insurance purchasing
• Senior insurance solutions
• Policy valuation platform
• Life insurance brokerage

Headquarters

HQ city

Conshohocken

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Life Settlement Transaction Fees: Lighthouse Life generates revenue by facilitating life settlement transactions. The company purchases life insurance policies from policyowners at market value and assumes responsibility for future premium payments while becoming the beneficiary upon the insured's death. They charge transaction fees for their intermediation services and valuation expertise.
2. Advisor Program Referral Fees: Financial professionals and advisors who partner with Lighthouse Life through the Advisor Program can earn compensation for referring qualified policyowner clients to the life settlement process.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Lighthouse Life purchases life insurance policies directly from senior policyowners (age 65 and older) through life settlement transactions. The company evaluates policies using proprietary valuation algorithms, makes offers typically within five business days, closes transactions in 45 to 60 days, and assumes future premium payments while becoming the policy beneficiary. It also supports financial professionals through the Advisor Program referral channel and serves healthy seniors age 70+ with Universal Life policies of $200,000 or more.

Product overview

Lighthouse Life operates as a life settlement platform offering a unified service for seniors to sell their life insurance policies for cash. The core product is the Life Settlement Services platform, which is complemented by the Life Settlement Calculator (featuring the Visual Valuator tool) for policy valuation. The company also offers an Advisor Program for financial professionals and has expanded through the integration of ClearLife Servicing, providing vertically integrated policy acquisition, valuation, and portfolio servicing. The Healthy Seniors module extends offerings to healthy insureds without requiring significant health impairments.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Settlement Services Core service enabling seniors aged 65 and older to sell unwanted or unaffordable life insurance policies for cash through life settlements, typically receiving four or more times the policy's cash surrender value. Lighthouse Life evaluates the policy, makes an offer, acquires the policy, assumes future premium payments, and becomes the beneficiary.
• Advisor Program Partnership program for financial advisors, insurance agents, and broker-dealers to refer senior clients with unwanted or unaffordable policies to Lighthouse Life, with compliance support and professional liability coverage provided.
• Life Settlements for Healthy Seniors Specialized life settlement offering for healthy insureds age 70 or older holding Universal Life policies worth $200,000 or more, enabling policy monetization without significant health impairments and without medical underwriting.
• ClearLife Servicing Portfolio servicing platform for life insurance policies, offering vertically integrated services and solutions that enable asset managers to acquire and manage life policies and portfolios.

Quantifiable outcome

• Life settlements average 4x or more the cash surrender value of life insurance policies
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• ClearLife Limited (and subsidiaries)coreStrategic or Co-development PartnerClearLife Limited and its subsidiaries were integrated into the Lighthouse Life/LHL Strategies platform, expanding operational capabilities for policy acquisition and management. This integration strengthened the company's vertically integrated services for asset managers to acquire and manage life policies and portfolios.
• Settlement Benefits Association (SBA)coreStrategic or Co-development PartnerSettlement Benefits Association was co-founded by Adam Lippman (now COO) and Noam Weiss (now Chief Business Officer). Under their leadership, SBA became a nationally recognized Life Settlement company reviewing nearly $8 billion in net death benefit and closing over 1,000 policies. SBA has been referred to as a referral source and partnership in customer reviews.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Life Equity (Lindberg & Reiss): Life Equity is a direct life settlement broker/buyer serving senior policyowners and advisors; comparable to Lighthouse Life on transaction intermediation model and senior-demographic focus.
• Liquid Financial Group: Liquid Financial Group is a life settlement transaction provider serving senior policyowners and financial advisors, with comparable economics, customer base, and advisor-referral distribution.
• Coventry First: Coventry First is a long-standing direct life settlement company serving policyowners and advisors, comparable to Lighthouse Life on core product (life settlement purchase), customer (seniors/advisors), and regulated transaction model.
• Abacus Life: Abacus Life is one of the largest US life settlement providers, directly competing with Lighthouse Life in purchasing policies from seniors and recently expanding through institutional capital and securitization — making it the closest comparable for product, customer, and business model.
• Magna Life Settlements: Magna Life Settlements is a direct life settlement provider purchasing policies from seniors, making it directly comparable on product, customer, and regulated intermediary business model.
• Senior Market Group: Senior Market Group is a life settlement-focused distributor serving financial professionals and senior policyowners, comparable to Lighthouse Life on channel structure (advisor-led) and senior segment.
• Ashar Life Settlements: Ashar is a direct life settlement buyer targeting seniors and financial advisors, comparable to Lighthouse Life on product offering, advisor referral model, and regulatory positioning.

Emerging players

• Policygenius: Policygenius is a digital insurance marketplace with growing exposure to life insurance and adjacent products; it overlaps Lighthouse Life on senior consumer acquisition and life-insurance discovery, though its primary offering is new policy origination rather than settlements.

Broad incumbents

• Broad River Group: Broad River Group is a broader financial services platform that has acquired life settlement operators (including Coventry-related investments), making it a comparable institutional scaled participant in the same underlying secondary market.
• Fidelity Investments (Life Insurance): Fidelity is a broad financial services incumbent with sizeable life insurance and annuity offerings reaching the same senior demographic; it does not focus narrowly on life settlements but represents an alternative channel through which seniors can monetize or restructure policies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/lighthouselife
• Facebookfacebook.com/LighthouseLifeSolutions
• LinkedInlinkedin.com/company/lighthouselife

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lighthouse Life