Commitments to Service Excellence

Our Sales Mission

Independent Life’s goal is to develop strong, personal relationships with those that market structured settlements. We want to be the preferred provider for all cases, ranging from the most simple to the most complex. We aim to be an educational resource for brokers, attorneys, and claims professionals on a broad range of topics such as protection of government benefits.

Customer Service During the Sales Process

Medical Underwriting

Independent Life will be a market leader when providing medical underwriting for a catastrophically injured plaintiff. For selected cases presenting a clearly material, life-shortening condition and with atleast $1,000,000 of premium, we will invest in a deep-dive underwriting of the person’s condition and how those injuries impact their life expectancy. By doing the extra work, Independent Life seeks to provide more favorable pricing than other carriers.

How The Process Works

When Independent Life receives a request for a rated age, our internal underwriter will review the file and provide a rated age. Should the case be deemed a candidate for a more in-depth evaluation, Independent Life will, at substantial expense, have Fasano Associates, a leading underwriting firm in the life, annuity, and life settlement markets, evaluate the risk with their multi-physician process led by Medical Director Dr. David Vaughan producing a comprehensive evaluation of the injury victim’s life expectancy.

Fasano Associates has tuned their methods to the realities of each market they serve and have recently reported Actual to Expected ratios of 98% for structured settlements, far superior to other third-party underwriters. This extensive process could take up to two weeks, so it may not be a suitable option for each case.

Michael Fasano
Michael Fasano
Fasano Associates
Dr. David Vaughn
Dr. David Vaughan
VP and Medical Director
Fasano Associates


computer and technology

Independent Life will bring the structured settlement quoting process into the modern era with our innovative platform of technology. We will provide structured settlement professionals with a desktop quoting application, Independent Quote Systems (IQS), that feels simple and efficient to use.  IQS is currently in a Beta version and our technology team will push out regular updates to improve performance.  We want to create as many ways and channels as possible for Independent Life to be quoted:

  • "Text-A-Quote" – Text one of our representatives a picture of a quote and we will text you back with an Independent Life quote
  • Web-based Quoting – Quote through our website with any browser, from any computer (Coming later this year)
  • Mobile App - Quote on your phone and email to your client (Coming later this year)

Our goal is simple: provide brokers and settlement participants with the quotes they need, where and when they need them, in the way they want to receive them.

Independent Life recognizes that cases are won and lost in the trenches and that daily rates help resolve claims faster and lead to more "wins". Independent Life strives to have pricing requests approved in less than one hour from the submission time. We will also offer extended response times so that our West Coast professionals do not have to wait until the next business day when they need help immediately. If needed, our team is prepared to offer quotes on the weekends to help get the structured settlement placed. If you have a case you would like to discuss or have a question, please call us at 1-800-793-0848 or email us at

Post-Sales Service Standards

Our team is dedicated to structured settlements. Period. Anyone who interacts with Independent Life will experience this first-hand. Our staff’s goal each and every day is to provide delightful, helpful and prompt customer service. Commissions will be distributed no later than 10 business days of receipt of premium and our information form. Our goal is to have a policy issued within one week of receiving all requirements.