LifeRoc Capital

What LifeRoc Capital does

LifeRoc Capital, LLC is a U.S. direct-access life settlement platform founded in 2017 and headquartered in Los Angeles, California. The company connects financial advisors, insurance agents, wealth managers, and related professionals to a large global network of institutional policy funders (including banks, insurance companies, private equity firms, pension plans, and hedge funds), enabling life settlement transactions for high-net-worth and ultra-high-net-worth policyholders without traditional wholesale broker intermediaries. Its core product is a Traditional Life Settlement offering, augmented by specialized programs including Retained Death Benefit™, Variable CLS™ (positioned as the first compliant VUL settlement platform), Cash for Term™, Healthy LS™, and Accelerate LS™ (48–72 hour settlement), plus a 48-hour medical record retrieval service and a Premium Financing Rescue Program.

LifeRoc's technology stack centers on proprietary policy valuation and pricing models, premium optimization tools, and mortality risk analytics that support case design and underwriting coordination. The platform handles end-to-end case management including free 24-hour policy valuations, APS and life expectancy retrieval at no cost to advisors, and concierge support through closing. The company has been ranked among the Top 5 U.S. life settlement providers and recognized as the fastest-growing provider multiple years running (2021: 360% growth; 2022: 30% volume growth; 2025: 31% YoY settlement volume growth).

The business model is transaction-based: LifeRoc earns revenue through spreads or fees on the settlement transaction value while passing 100% of broker commissions to advisors and charging no third-party broker fees. With 29+ employees and over 200 years of combined team industry experience, the company is privately held, bootstrapped (no external funding rounds disclosed), and operates exclusively in the United States with active memberships in BVZL, LISA, NAIFA, and ELSA industry associations.

Name

LifeRoc Capital

Legal name

LifeRoc Capital, LLC

Website

https://liferoccapital.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

LifeRoc Capital is a U.S. direct-access life settlement platform that connects financial advisors and insurance agents to a global network of institutional policy funders. Founded in 2017 in Los Angeles, it facilitates life settlement transactions for high-net-worth policyholders without wholesale broker intermediaries.

Ownership category

akta.pro rank

Product category

Life Settlement Services

NAICS

Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Portfolio Management and Investment Advice (523940)

SIC

Life Insurance (6311), Investment Advice (6282)

akta.pro primary industry

Life & Health Reinsurance Run-off / Legacy Portfolio Management (FSAOAAAJ)

akta.pro secondary industries

Run-off Investment & Asset-Liability Management (ALM) for Legacy Books (FSAOAJAO), Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

Keywords

• Life settlement services
• Direct funder access
• Policy valuation
• Life insurance monetization
• Institutional life settlements

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Life Settlement Transaction Fees: LifeRoc earns revenue by facilitating life settlement transactions between policy owners and institutional funders. The company passes 100% of broker commissions to advisors and does not charge third-party broker fees. Revenue is generated through the spread or fees charged on the transaction value, with the direct-access model eliminating broker intermediaries.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

LifeRoc Capital operates a direct-access life settlement platform that connects financial advisors, insurance agents, and their policy-owner clients to a large global network of institutional policy funders. The company eliminates the traditional wholesale broker layer, handling case design, underwriting coordination, and concierge transaction support for whole life, universal life, variable universal life, and term policies. Revenue is generated via transaction fees while 100% of broker commissions are passed to the originating advisor.

Product overview

LifeRoc Capital operates a direct-access life settlement platform that connects financial advisors and policyholders directly to a large global network of institutional funders, eliminating the traditional wholesale broker layer. The core platform centers on the Traditional Life Settlement offering, supplemented by specialized programs including Retained Death Benefit™, Variable CLS™ (the industry's first compliant VUL life settlement platform), Cash for Term™, Healthy LS™, and Accelerate LS™ (48–72 hour settlements). Value-added services include a Free 24-Hour Policy Valuation tool, Medical Record Retrieval (48-hour APS retrieval), Concierge Life Settlement Services, the Premium Financing Rescue Program, and a Life Insurance Policy Review Program with a book-of-business mining toolkit. Supporting resources include licensing guidance, E&O insurance access, and the LifeRoc Satisfaction Promise. The company was formed in 2017.

Differentiator

Problem solved

Functional benefit

Brands

• Healthy LS™: A life settlement program that enables settlement offers for even the healthiest insureds.
• Cash for Term™
• Accelerate LS™
• Variable CLS™
• Retained Death Benefit™

Products and services

• Traditional Life Settlement Direct-access service that routes advisor-submitted life insurance policies to LifeRoc's global institutional funder network for competitive offers, with 100% broker commission passed to the advisor and no third-party broker fees.
• Retained Death Benefit Settlement solution for clients who still need some life insurance coverage while partially monetizing their policy.
• Variable CLS (Variable Life Settlement) The industry's first compliant platform for transacting Variable Universal Life (VUL) life settlements.
• Cash for Term Obtains settlement offers for Convertible and Non-Convertible term life insurance policies.
• Healthy LS (Healthy Life Settlement) Enables life settlement offers for insureds in good or better health, including those traditionally considered ineligible.
• Accelerate LS (Accelerated Life Settlement) Delivers life settlement offers in as little as 48–72 hours for qualifying policies, leveraging accelerated medical record retrieval.
• Medical Record Retrieval Service Proprietary retrieval service that obtains Attending Physician Statements (APSs) in as little as 48 hours, compared to the industry standard of 2–10 weeks.
• Premium Financing Rescue Program Life settlement solution for clients with premium-financed policies, paying off outstanding loans and providing immediate cash.
• Life Insurance Policy Review Program Comprehensive toolkit for advisors including a book-of-business mining toolkit, life policy review checklist, cross-selling training, and valuation reports to identify life settlement opportunities.
• Free 24-Hour Policy Valuation No-obligation policy appraisal using proprietary pricing models to estimate market value based on real market factors and trends, delivered within 24 hours.
• Concierge Life Settlement Services White-glove service including point-of-sale support, in-depth opportunity cost analysis, sophisticated premium optimization, advanced medical underwriting analysis, and fast closing times.

Quantifiable outcome

• 31% year-over-year settlement volume growth in 2025, nearly twice as fast as any other top-five provider
• +5 more outcomes

Named customers4 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

Feature5 records

Partnerships

Six partnerships are on record, tiered minor.

• BVZLminorOthersIndustry association membership. BVZL is a life settlement industry organization. LifeRoc displays BVZL membership logo on website indicating industry participation and compliance with standards.
• LISA (Life Insurance Settlement Association)minorOthersVoting member of LISA, the most widely recognized trade association representing the life settlement industry since 1995. LISA participates in educational, legislative and regulatory matters in all 50 states, including Puerto Rico and Canada.
• NAIFA (National Association of Insurance and Financial Advisors)minorOthersIndustry association membership indicating professional affiliation with insurance and financial advisory community. LifeRoc displays NAIFA membership logo on website.
• ELSA (Executive Life Settlement Association)minorOthersIndustry association membership. LifeRoc displays ELSA membership logo on website indicating industry participation and standards compliance.
• AON Affinity Insurance ServicesminorOthersInsurance provider offering Errors and Omissions (E&O) coverage for life settlement brokers and advisors. Located at 165 Broadway, Suite 3201, New York, NY 10006. Toll Free: (800) 534-9284.
• Todd & AssociatesminorOthersInsurance provider offering Errors and Omissions (E&O) coverage for life settlement brokers and advisors. Located at 23825 Commerce Park Road, Beachwood, Ohio 44122. Toll Free: 800.878.2450.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Abacus Life: Abacus Life is one of the largest US life settlement providers and a publicly traded direct competitor. Both Abacus and LifeRoc originate policies from advisors and sell into institutional capital, making them the closest comparable in product, customer base, and business model.
• Coventry Direct: Coventry Direct is a direct life settlement provider that markets to financial advisors and policyholders, offering a competing institutional funding network. Highly comparable to LifeRoc's advisor-facing, broker-eliminating model.
• Magna Life Settlements: Magna is a top-five US life settlement provider serving financial advisors with direct funder access. It competes head-to-head with LifeRoc in the same advisor channel and product set (term, whole life, UL).
• Life Equity LLC: Life Equity is a long-established direct life settlement provider working with advisors and policyholders. Overlaps directly with LifeRoc on advisor origination, funder relationships, and core life settlement product.
• American Settlement Partners (ASPE): ASPE is a life settlement broker and provider that works with advisors and institutional funders. Comparable to LifeRoc on transaction facilitation, though historically more broker-led in distribution.
• Beringer Life Settlements: Beringer is a US life settlement provider focused on advisor-sourced policy origination. Comparable in target customer (financial advisors and HNW policyholders) and core product offering.
• Stone Street Capital: Stone Street Capital is a life settlement provider and institutional buyer serving advisors and policy owners. Overlaps with LifeRoc on the funding-side and origination-side of the value chain.
• Liberty Life Settlements: Liberty is a life settlement provider that originates through advisors and institutions. Comparable product, customer, and transaction-based business model.

Emerging players

• Fairwinds Asset Management: Fairwinds is an institutional buyer and manager of life settlement portfolios. Comparable on the asset-management/funder side of LifeRoc's network rather than origination, but representative of the institutional capital pool LifeRoc routes into.

Broad incumbents

• Wells Fargo (Insurance Solutions / Wealth): Wells Fargo's wealth and insurance units occasionally facilitate or compete in life settlements through advisor channels and proprietary policy-buying programs. A broad incumbent rather than a direct competitor, but a relevant scale reference for the advisor distribution channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCotOpdnjtg28UAK7ckaLZWQ
• Facebookfacebook.com/liferoccapital
• LinkedInlinkedin.com/company/liferoc-capital-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about LifeRoc Capital