About Us
We built this for seniors, not for buyers.
Citizens Life Group is a licensed life settlement brokerage that represents you, the seller, and shops your policy competitively to maximize your offer. We help seniors understand what their life insurance policy is actually worth on the open market, so they walk into the process informed and on equal footing with the buyers.
Florida DFS Oversight
State-regulated life insurance and viatical settlement licensing
Licensed Life Settlement Brokerage
We run the competitive bidding and closing process as your licensed broker
25+ Years in Life Settlements
Managing Director in the market since 1999
$3B+ in Closed Transactions
Life settlements closed by Jeff Hallman's broker network since 1999
Our Team
Leadership at Citizens Life Group brings 25+ years of life settlement experience to the firm. They built it to close the information gap seniors face when selling a life insurance policy.
Managing Partner
Cole Hallman
Built Citizens Life Group to close the information gap between seniors and the life insurance policies they already own but rarely understand their full options for.
- Leads operations and client experience
- Writes and edits every article on the site
- Intake, qualification, and client representation
Managing Director
Jeff Hallman
In the life settlement market since 1999. Co-Founder and Managing Partner at Asset Life Settlements. Part of more than $3 billion in closed transactions.
- Florida Licensed Life Agent (line 0215: Life, Variable Annuity, Health)
- Appointed Viatical Settlement Broker (line 0266, covers life settlements)
- NAIFA · Finseca · MDRT · Forum 400 · Heckerling
How We Actually Work
The simplest way to understand Citizens Life Group is to walk through what happens between you finding us and a transaction closing.
We educate first
Before you ever fill out a form, every core question a senior might have about a life settlement is answered on this site in plain English, with sources. If a policy does not qualify, our content is designed to help you figure that out without ever needing to talk to us.
We qualify honestly
When you request an estimate, we review the policy against current market criteria. If it has a real chance of settling, we say so. If it doesn't, we say that too. Nobody gets strung along on a bad-fit policy.
Fiduciary representation
As your licensed broker, we shop the policy competitively to institutional buyers. Whether your policy is handled by Citizens Life Group or an affiliated brokerage, your broker represents you, the seller, not the buyer. You never negotiate with a buyer directly.
You pay nothing out of pocket
There is no cost to use this site, request an estimate, or have your policy shopped competitively. You pay nothing out of pocket. The broker commission is paid from the settlement proceeds at closing, and every fee is disclosed in writing before you sign anything. If you do not sell, you pay nothing.
What We Hold Ourselves To
Four standards that govern everything we publish and every policy we represent.
Plain English
Every article, FAQ, and tool on this site is written for a 75-year-old reading on a phone. If we cannot explain it clearly, we will not publish it.
Cited Facts
Numbers on this site link to a source. Our primary references are the Life Insurance Settlement Association, NAIC, IRS, state insurance departments, and peer-reviewed academic work.
No Pressure Tactics
No urgency language, no lowball offers presented as final, no pressure to sell. If a policy isn't a fit, we say so. You can walk away at any point.
Fiduciary Representation
We owe a fiduciary duty to you, the seller. Whether your policy is handled by Citizens Life Group or an affiliated brokerage, your broker's job is to compete buyers against each other, not to close a sale at any price.
Compliance & Regulatory Oversight
Life settlements in Florida are governed by the Florida Viatical Settlement Act (Fla. Stat. §§ 626.991 et seq.), administered under dual oversight by the Florida Department of Financial Services (which licenses brokers) and the Florida Office of Insurance Regulation (which licenses providers). Transactions outside Florida are governed by each state's comparable statute. Life settlements are regulated in 43 states plus Puerto Rico, covering roughly 90% of the U.S. population.
Whether your policy is handled by Citizens Life Group or an affiliated brokerage, your broker runs competitive bidding across a network of institutional buyers and presents every offer to you, the seller.
Every life settlement transaction in a regulated state includes mandatory written disclosures of all fees and commissions before you sign, plus a statutory rescission period during which you can cancel the sale and get your policy back. You can verify any Florida-licensed broker or provider directly through the Florida DFS Licensee Search.
Ready to find out what your policy is worth?
Start with a free estimate. No obligation, no upfront cost. If your policy does not qualify, we will tell you.