For Brokers & Funding Professionals

Turn Declined Files Into Another Opportunity

We partner with brokers and funding professionals on merchants who cannot currently be funded or who need assistance addressing existing obligations. We handle the financial restructuring conversation while protecting your existing relationship with the merchant.

Recover Value From Declined Files

Generate revenue from clients you otherwise may not be able to fund.

Protect Your Relationship

We focus on the restructuring side while respecting the broker's relationship with the merchant.

Get the Client Back

When appropriate, clients who become better positioned for financing can be referred back to the originating broker.

Broker Referral Compensation

50% Referral Revenue Share

For qualifying referred clients who enroll and generate a collected fee, referral partners may receive 50% of our collected fee pursuant to a written referral agreement and applicable law.

Hypothetical Example

$100,000 Client Debt

Approximate Company Fee

$6,000

(illustrative — actual fees vary)

50% Referral Partner Share

~$3,000

to the Referral Partner

Referral Share

50% of collected company fee

Payment Trigger

When company fee is collected from enrolled client

Documentation

Written referral agreement required

Chargebacks

May apply if client fees are refunded

Hypothetical Example: The figures above are illustrative only. The $6,000 company fee assumes a 6% fee rate on $100,000 of client debt — actual fee rates and structures vary by engagement. No specific earnings, commissions, or referral fees are guaranteed. All compensation is subject to the written referral agreement and applicable law.

Legal Review Required: Referral compensation arrangements may be subject to state and federal regulations. All referral agreements should be reviewed by qualified legal counsel before execution to ensure compliance with applicable laws.

What Is a Qualified Referral?

Qualifying for Compensation

A referral qualifies for compensation when all of the following criteria are met:

The referred business owner must have existing commercial debt obligations.

The business owner must consent to being contacted.

The referred client must enroll in our services and generate a collected fee.

The referral must comply with the terms of the written referral agreement.

Broker Process

Sending Us a File Takes Less Than a Minute

01

Speak With the Merchant

Let the business owner know our team will be reaching out.

02

Send the Referral

Provide the owner's name, business name, phone number, approximate obligations, and preferred contact time.

03

We Handle the Consultation

Our team speaks with the merchant and determines whether our services may be appropriate.

04

We Keep the Relationship Connected

When appropriate, the business owner can be referred back to the originating broker for future funding opportunities.

Getting Started

How to Begin Working With Us

Contact Us

Reach out through our broker referral form or contact page to express interest in the program.

Review the Agreement

We will provide a written referral agreement outlining the terms, compensation structure, and obligations.

Submit Referrals

Once the agreement is in place, you can begin submitting referrals through our broker referral form.

Broker Referral Form

Submit a Referral

Provide the details below and our team will handle the rest.

Your Information

Merchant Information

TTrust Life& Annuity LLC

Life insurance, annuities, wealth strategies, and business debt restructuring solutions for individuals, families, and business owners.

Company

(303) 718-6489

trustlifeandannuityllc@gmail.com

Disclaimer: Trust Life and Annuity LLC provides commercial financial consulting, life insurance, and annuity services. Services, eligibility, fees, timelines, and outcomes vary based on individual circumstances. Nothing on this website constitutes a guarantee of debt reduction, financing approval, insurance coverage, or any particular financial outcome. Life insurance and annuity products are subject to eligibility, underwriting, product availability, policy terms, fees, surrender charges, and other limitations. No coverage is effective until approved and issued by the applicable insurance carrier. Information provided on this website is for general informational purposes and should not be considered legal, tax, or accounting advice. Clients should consult appropriate professionals regarding their individual circumstances.

© 2026 Trust Life and Annuity LLC. All rights reserved.