About Us
We Work for You. Not the Buyer.
Citizens Life Group is based in Orlando, Florida. Our only goal is to connect you with fiduciary-licensed advocates who fight to get you the highest possible offer for your life insurance policy.
Our Mission
Every year, billions of dollars in life insurance policy value are lost because seniors simply don't know they have options. They let policies lapse. They surrender them to their insurance company for a fraction of what the market would pay.
Citizens Life Group exists to change that. We believe every senior deserves to know what their policy is truly worth in the secondary market — and to have a skilled, licensed advocate in their corner to fight for the best possible offer.
We are not a buyer. We do not purchase policies. We work with fiduciary-licensed brokers whose legal and ethical obligation is to you, the seller. Your policy is shopped to a network of vetted, institutional buyers in a competitive process designed to maximize your payout.
Our Core Values
Transparency
No hidden fees, no confusing language, no surprises. We explain every step of the process in plain terms.
Honesty
If your policy doesn't qualify, we'll tell you. If a different path makes more sense for your situation, we'll say so.
Advocacy
We connect you with licensed advocates whose only job is to fight for your highest offer — and whose legal obligation as your fiduciary is to put your interests first, always.
Respect
You've worked hard your whole life. You deserve to be treated with patience, dignity, and care — not rushed or pressured.
Real People, Not Automated Systems
Every client is connected directly with a licensed specialist — not a chatbot, not an off-shore call center, not an automated system. Real people who understand your situation and are committed to your outcome.
Personal Guidance
You'll speak with a real person who takes the time to understand your situation, answers your questions, and walks you through every step.
No Pressure — Ever
We'll give you an honest assessment of your options. If a life settlement isn't right for you, we'll say so. No hard sells, no games.
Your Advocate
We connect you with licensed fiduciary brokers who are legally required to fight for your highest offer. Their obligation is to you — not the buyer.
Licensed & Compliant
Based in Orlando, FL
We are proud to be a Florida-based firm. Florida is home to one of the largest senior populations in the country, and we understand the specific financial concerns and needs of Florida seniors — and seniors across the nation.
Orlando, FL 32836
Ready to Work With Us?
Start with a free, no-obligation estimate. We'll tell you honestly what your policy may be worth.