{"product_id":"viatical-settlement-owner-makes","title":"How Much Viatical Brokerage Owners Make: Year 3 Profit Math","description":"\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\n\u003cp\u003eA viatical settlement brokerage owner can make little or nothing in the first two years under these assumptions because acquisition spend is heavy The model shows about $969k first-year revenue against $800k marketing, $276k known fixed overhead, and 12% case-related costs, which leaves negative operating profit before owner pay By Year 3, revenue reaches about $325 million and operating profit reaches about $656k before owner compensation, taxes, reserves, payroll, cybersecurity, and reinvestment Results vary by licensing, state rules, deal flow, case quality, fee terms, and how much cash the owner keeps in the business\u003c\/p\u003e\n\n\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003csection class=\"fml-owner-metric-cards\" aria-label=\"Owner income KPIs\"\u003e\u003cdiv class=\"metric-grid\"\u003e\n\u003carticle class=\"metric-card is-green\"\u003e\u003cspan class=\"metric-icon-tip\" tabindex=\"0\" data-tooltip=\"Year 5 EBITDA is $11.2M in the model; it is a before-tax proxy, not guaranteed pay, and excludes reserves, reinvestment, and taxes.\"\u003e\u003cimg class=\"metric-icon\" src=\"\/cdn\/shop\/files\/fml-owner-income-kpi-owner-income.svg\" alt=\"Owner income icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003eOwner income\u003c\/span\u003e\u003cstrong class=\"metric-value\" tabindex=\"0\" data-tooltip=\"Year 5 EBITDA is $11.2M in the model; it is a before-tax proxy, not guaranteed pay, and excludes reserves, reinvestment, and taxes.\"\u003e$11.2M\u003c\/strong\u003e\u003c\/article\u003e\u003carticle class=\"metric-card\"\u003e\u003cspan class=\"metric-icon-tip\" tabindex=\"0\" data-tooltip=\"Uses model operating margin: Year 1 negative, Year 3 about 20%, and Year 5 about 41%, before tax, reserves, and reinvestment.\"\u003e\u003cimg class=\"metric-icon\" src=\"\/cdn\/shop\/files\/fml-owner-income-kpi-net-margin.svg\" alt=\"Net margin icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003eNet margin\u003c\/span\u003e\u003cstrong class=\"metric-value\" tabindex=\"0\" data-tooltip=\"Uses model operating margin: Year 1 negative, Year 3 about 20%, and Year 5 about 41%, before tax, reserves, and reinvestment.\"\u003eNeg. to 41%\u003c\/strong\u003e\u003c\/article\u003e\u003carticle class=\"metric-card\"\u003e\u003cspan class=\"metric-icon-tip\" tabindex=\"0\" data-tooltip=\"Year 5 revenue is $19.1M in the model; this is the closest researched level for supporting mature owner pay, not a salary promise.\"\u003e\u003cimg class=\"metric-icon\" src=\"\/cdn\/shop\/files\/fml-owner-income-kpi-revenue-target.svg\" alt=\"Revenue for target pay icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003eRevenue for target pay\u003c\/span\u003e\u003cstrong class=\"metric-value\" tabindex=\"0\" data-tooltip=\"Year 5 revenue is $19.1M in the model; this is the closest researched level for supporting mature owner pay, not a salary promise.\"\u003e$19.1M\u003c\/strong\u003e\u003c\/article\u003e\u003carticle class=\"metric-card\"\u003e\u003cspan class=\"metric-icon-tip\" tabindex=\"0\" data-tooltip=\"Hard because breakeven takes 18 months, cash dips to -$1.456M in Month 17, and the model carries heavy fixed and compliance costs.\"\u003e\u003cimg class=\"metric-icon\" src=\"\/cdn\/shop\/files\/fml-owner-income-kpi-business-difficulty.svg\" alt=\"Business difficulty icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003eBusiness difficulty\u003c\/span\u003e\u003cstrong class=\"metric-value\" tabindex=\"0\" data-tooltip=\"Hard because breakeven takes 18 months, cash dips to -$1.456M in Month 17, and the model carries heavy fixed and compliance costs.\"\u003eHard\u003c\/strong\u003e\u003c\/article\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWant to test your own owner-pay case?\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-owner-calculator\" aria-label=\"Viatical Settlement Brokerage Owner Income Calculator\" data-locale=\"en-US\" data-currency=\"USD\" data-default-scenario=\"base\" data-export-filename=\"Viatical Settlement Brokerage Owner Income Calculator.xlsx\" data-source-site-name=\"Financial Models Lab\" data-source-site-url=\"https:\/\/financialmodelslab.com\" data-source-page-title=\"Viatical Settlement Brokerage Owner Income Calculator\" data-note-title=\"Planning note:\" data-note-text=\"Research-based planning estimate only. Not guaranteed salary, tax advice, or owner distribution advice.\"\u003e\u003cdiv class=\"fml-owner-card\"\u003e\n\u003cheader class=\"fml-owner-header\"\u003e\u003cdiv class=\"fml-owner-heading\"\u003e\n\u003cp class=\"fml-owner-eyebrow\"\u003eOwner income calculator\u003c\/p\u003e\n\u003cp class=\"fml-owner-intro\"\u003eEstimate owner take-home and target-pay gap from revenue, margin, costs, reserves, and target pay.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-scenarios\" aria-label=\"Income scenario presets\"\u003e\n\u003cbutton class=\"fml-owner-scenario\" type=\"button\" data-scenario=\"low\"\u003eLow\u003c\/button\u003e\u003cbutton class=\"fml-owner-scenario is-active\" type=\"button\" data-scenario=\"base\"\u003eBase\u003c\/button\u003e\u003cbutton class=\"fml-owner-scenario\" type=\"button\" data-scenario=\"high\"\u003eHigh\u003c\/button\u003e\n\u003c\/div\u003e\u003c\/header\u003e\u003cdiv class=\"fml-owner-layout\"\u003e\n\u003cform class=\"fml-owner-inputs\"\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eMonthly revenue\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Average monthly revenue before expenses. Use a normal operating month, not a peak case-closing month.\"\u003ei\u003cspan role=\"tooltip\"\u003eAverage monthly revenue before expenses. Use a normal operating month, not a peak case-closing month.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"monthlyRevenue\" data-owner-kind=\"money\" data-owner-label=\"Monthly revenue\" data-owner-note=\"Average monthly revenue before expenses. Use a normal operating month, not a peak case-closing month.\" data-low=\"142500\" data-base=\"672583\" data-high=\"1590917\" name=\"monthlyRevenue\" type=\"text\" inputmode=\"numeric\" value=\"672,583\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eGross margin\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Percent left after direct case costs like underwriting, escrow, verification, and partner commissions.\"\u003ei\u003cspan role=\"tooltip\"\u003ePercent left after direct case costs like underwriting, escrow, verification, and partner commissions.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-percent\"\u003e\n\u003cinput data-owner-field=\"grossMargin\" data-owner-kind=\"percent\" data-owner-label=\"Gross margin\" data-owner-note=\"Percent left after direct case costs like underwriting, escrow, verification, and partner commissions.\" name=\"grossMargin\" type=\"range\" min=\"0\" max=\"100\" step=\"1\" data-low=\"83\" data-base=\"88\" data-high=\"91\" value=\"88\"\u003e\u003coutput\u003e88%\u003c\/output\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eLabor cost\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly payroll and contractor cost before owner pay.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly payroll and contractor cost before owner pay.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"laborCost\" data-owner-kind=\"money\" data-owner-label=\"Labor cost\" data-owner-note=\"Monthly payroll and contractor cost before owner pay.\" data-low=\"100417\" data-base=\"144167\" data-high=\"161667\" name=\"laborCost\" type=\"text\" inputmode=\"numeric\" value=\"144,167\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eFixed overhead\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Recurring non-payroll overhead like rent, software, compliance, and admin.\"\u003ei\u003cspan role=\"tooltip\"\u003eRecurring non-payroll overhead like rent, software, compliance, and admin.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"fixedOverhead\" data-owner-kind=\"money\" data-owner-label=\"Fixed overhead\" data-owner-note=\"Recurring non-payroll overhead like rent, software, compliance, and admin.\" data-low=\"39500\" data-base=\"39500\" data-high=\"39500\" name=\"fixedOverhead\" type=\"text\" inputmode=\"numeric\" value=\"39,500\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eMarketing\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly seller and buyer marketing spend.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly seller and buyer marketing spend.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"marketing\" data-owner-kind=\"money\" data-owner-label=\"Marketing\" data-owner-note=\"Monthly seller and buyer marketing spend.\" data-low=\"66667\" data-base=\"166667\" data-high=\"291667\" name=\"marketing\" type=\"text\" inputmode=\"numeric\" value=\"166,667\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eDebt service\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly loan or financing payments. Use 0 if none.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly loan or financing payments. Use 0 if none.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"debtService\" data-owner-kind=\"money\" data-owner-label=\"Debt service\" data-owner-note=\"Monthly loan or financing payments. Use 0 if none.\" data-low=\"0\" data-base=\"0\" data-high=\"0\" name=\"debtService\" type=\"text\" inputmode=\"numeric\" value=\"\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eTax reserve\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Percent of profit set aside for taxes before owner pay.\"\u003ei\u003cspan role=\"tooltip\"\u003ePercent of profit set aside for taxes before owner pay.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-percent\"\u003e\n\u003cinput data-owner-field=\"taxReserve\" data-owner-kind=\"percent\" data-owner-label=\"Tax reserve\" data-owner-note=\"Percent of profit set aside for taxes before owner pay.\" name=\"taxReserve\" type=\"range\" min=\"0\" max=\"100\" step=\"1\" data-low=\"15\" data-base=\"20\" data-high=\"25\" value=\"20\"\u003e\u003coutput\u003e20%\u003c\/output\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eReinvestment reserve\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Percent of profit kept for cash cushion and growth.\"\u003ei\u003cspan role=\"tooltip\"\u003ePercent of profit kept for cash cushion and growth.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-percent\"\u003e\n\u003cinput data-owner-field=\"reinvestmentReserve\" data-owner-kind=\"percent\" data-owner-label=\"Reinvestment reserve\" data-owner-note=\"Percent of profit kept for cash cushion and growth.\" name=\"reinvestmentReserve\" type=\"range\" min=\"0\" max=\"100\" step=\"1\" data-low=\"5\" data-base=\"10\" data-high=\"15\" value=\"10\"\u003e\u003coutput\u003e10%\u003c\/output\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-row\"\u003e\n\u003clabel class=\"fml-owner-label\"\u003e\u003cspan\u003eTarget owner pay\u003c\/span\u003e\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly owner income target used to calculate the pay gap.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly owner income target used to calculate the pay gap.\u003c\/span\u003e\u003c\/span\u003e\u003c\/label\u003e\u003cdiv class=\"fml-owner-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-owner-field=\"targetOwnerPay\" data-owner-kind=\"money\" data-owner-label=\"Target owner pay\" data-owner-note=\"Monthly owner income target used to calculate the pay gap.\" data-low=\"10000\" data-base=\"50000\" data-high=\"100000\" name=\"targetOwnerPay\" type=\"text\" inputmode=\"numeric\" value=\"50,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\n\u003caside class=\"fml-owner-results\" aria-live=\"polite\"\u003e\u003cspan class=\"fml-owner-tag\"\u003eOwner income output\u003c\/span\u003e\u003cdiv class=\"fml-owner-metrics\"\u003e\n\u003cdiv class=\"fml-owner-metric is-primary\"\u003e\n\u003cspan class=\"fml-owner-metric-label\"\u003eOwner Income\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly take-home after tax and reinvestment reserves.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly take-home after tax and reinvestment reserves.\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cstrong data-owner-output=\"monthlyOwnerIncome\"\u003e$169K\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-metric\"\u003e\n\u003cspan class=\"fml-owner-metric-label\"\u003eNet Margin\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Owner income divided by monthly revenue.\"\u003ei\u003cspan role=\"tooltip\"\u003eOwner income divided by monthly revenue.\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cstrong data-owner-output=\"netProfitMargin\"\u003e25%\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-metric\"\u003e\n\u003cspan class=\"fml-owner-metric-label\"\u003eRevenue for Target Pay\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Monthly revenue needed to support the target owner pay.\"\u003ei\u003cspan role=\"tooltip\"\u003eMonthly revenue needed to support the target owner pay.\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cstrong data-owner-output=\"revenueNeeded\"\u003e$479K\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-metric is-target-gap is-positive\"\u003e\n\u003cspan class=\"fml-owner-metric-label\"\u003eTarget Pay Gap\u003cspan class=\"fml-owner-tooltip\" tabindex=\"0\" aria-label=\"Owner income minus target owner pay. Negative means the target pay is not covered.\"\u003ei\u003cspan role=\"tooltip\"\u003eOwner income minus target owner pay. Negative means the target pay is not covered.\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003cstrong data-owner-output=\"targetPayGap\"\u003e$119K\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdl class=\"fml-owner-result-list\"\u003e\n\u003cdiv\u003e\n\u003cdt\u003eAnnual owner income\u003c\/dt\u003e\n\u003cdd data-owner-output=\"annualOwnerIncome\"\u003e$2,028,924\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eProfit before reserves\u003c\/dt\u003e\n\u003cdd data-owner-output=\"profitBeforeReserves\"\u003e$241,539\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eTax + reinvestment reserve\u003c\/dt\u003e\n\u003cdd data-owner-output=\"reserveAmount\"\u003e$72,462\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eTarget pay gap\u003c\/dt\u003e\n\u003cdd data-owner-output=\"cashAfterTargetPay\"\u003e$119,077\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003c\/dl\u003e\n\u003cdiv class=\"fml-owner-bridge\"\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"revenue\"\u003e\n\u003cspan\u003eRevenue\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 100%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$673K\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"grossProfit\"\u003e\n\u003cspan\u003eGross profit\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 88%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$592K\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"operatingCosts\"\u003e\n\u003cspan\u003eOperating costs\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 52%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$350K\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"reserveAmount\"\u003e\n\u003cspan\u003eReserves\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 11%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$72,462\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-bar-row\" data-owner-bridge=\"ownerIncome\"\u003e\n\u003cspan\u003eOwner income\u003c\/span\u003e\u003cdiv\u003e\u003ci style=\"--fml-owner-share: 25%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-owner-bridge-value\u003e$169K\u003c\/b\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"fml-owner-export\" type=\"button\" data-owner-export\u003eEXPORT XLSX\u003c\/button\u003e\u003c\/aside\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-owner-note\"\u003e\n\u003cspan class=\"fml-owner-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003ePlanning note:\u003c\/strong\u003e Research-based planning estimate only. Not guaranteed salary, tax advice, or owner distribution advice.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cbr\u003e\u003cdiv class=\"container_new_design_blog\"\u003e\n\n\u003cdiv class=\"text-section_blog text-2_new_design_blog\"\u003e\n\n\u003cdiv class=\"line_top_blog\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\n\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow do you check owner income in the Viatical Settlement Brokerage model?\u003c\/span\u003e\u003c\/h3\u003e\n\n\u003cp\u003eThe \u003ca href=\"\/products\/viatical-settlement-financial-model\"\u003eViatical Settlement Brokerage Financial Model Template\u003c\/a\u003e shows revenue, gross margin, costs, reserves, and owner take-home, so you can stress-test case volume, fee rates, CAC, overhead, and compensation. Scenario tests should show \u003cstrong\u003eYear 1 negative operating profit\u003c\/strong\u003e, \u003cstrong\u003eYear 3 about $656k\u003c\/strong\u003e, and \u003cstrong\u003eYear 5 about $298 million\u003c\/strong\u003e before payroll, taxes, reserves, and missing fixed costs. Open the model.\u003c\/p\u003e\n\n\u003ch4\u003eOwner-income model highlights\u003c\/h4\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eYear 1 stays negative\u003c\/li\u003e\n\u003cli\u003eYear 3 reaches $656k\u003c\/li\u003e\n\u003cli\u003eYear 5 reaches $298M\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003c\/div\u003e\n\n\u003cdiv class=\"image-section_blog image-2_new_design_blog\"\u003e\n\n\u003cdiv class=\"preview-card\" data-preview-src=\"\/cdn\/shop\/files\/viatical-settlement-financial-model-dashboard-financialmodelslab_e8199c80-01c1-4f05-935c-c735bd1bfecb.webp\"\u003e\n\u003cimg class=\"preview-img\" width=\"100%\" height=\"auto\" src=\"\/cdn\/shop\/files\/viatical-settlement-financial-model-dashboard-financialmodelslab_e8199c80-01c1-4f05-935c-c735bd1bfecb.webp?width=500\" alt=\"Viatical Settlement Brokerage Financial Model dashboard summarizes key KPIs, runway and cash position with a dynamic dashboard for performance tracking, investor-ready charts and clarity for cash-flow blind spots.\"\u003e\n\u003cdiv class=\"preview-overlay\"\u003e\n\u003cbutton class=\"preview-btn\" type=\"button\" style=\"align-items: center; vertical-align: middle; display: inline-flex; justify-content: center; gap: 6px; line-height: 1;\"\u003e\nPREVIEW \u003csvg fill=\"#fff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\" role=\"presentation\" viewbox=\"0 0 448 512\" width=\"14\"\u003e\u003cpath d=\"M416 176V86.63L246.6 256L416 425.4V336c0-8.844 7.156-16 16-16s16 7.156 16 16v128c0 8.844-7.156 16-16 16h-128c-8.844 0-16-7.156-16-16s7.156-16 16-16h89.38L224 278.6L54.63 448H144C152.8 448 160 455.2 160 464S152.8 480 144 480h-128C7.156 480 0 472.8 0 464v-128C0 327.2 7.156 320 16 320S32 327.2 32 336v89.38L201.4 256L32 86.63V176C32 184.8 24.84 192 16 192S0 184.8 0 176v-128C0 39.16 7.156 32 16 32h128C152.8 32 160 39.16 160 48S152.8 64 144 64H54.63L224 233.4L393.4 64H304C295.2 64 288 56.84 288 48S295.2 32 304 32h128C440.8 32 448 39.16 448 48v128C448 184.8 440.8 192 432 192S416 184.8 416 176z\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eCan a viatical settlement brokerage scale profitably?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eYes, \u003cstrong\u003eViatical Settlement Brokerage\u003c\/strong\u003e can scale profitably, but it is not simple volume growth. The model moves from \u003cstrong\u003enegative operating profit in Year 1\u003c\/strong\u003e to about \u003cstrong\u003e$656k in Year 3\u003c\/strong\u003e and about \u003cstrong\u003e$298 million in Year 5\u003c\/strong\u003e before payroll, taxes, reserves, cybersecurity, and owner distributions, so the real test is case quality, trust, and compliance discipline.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eSolo founder path\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003eTrust\u003c\/strong\u003e drives conversion.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLicensing\u003c\/strong\u003e errors kill margin.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eReferral quality\u003c\/strong\u003e matters most.\u003c\/li\u003e\n\u003cli\u003eBad cases erase gains.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eScaled brokerage path\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eUse compliant education.\u003c\/li\u003e\n\u003cli\u003ePay partner commissions.\u003c\/li\u003e\n\u003cli\u003eKeep clean documentation.\u003c\/li\u003e\n\u003cli\u003eProtect reputation hard.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow do viatical settlement brokers get paid?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eIn \u003cstrong\u003eViatical Settlement Brokerage\u003c\/strong\u003e, brokers are usually paid with a \u003cstrong\u003efixed commission\u003c\/strong\u003e plus a \u003cstrong\u003epercentage of the funded order value\u003c\/strong\u003e. Using the stated model, that is \u003cstrong\u003e$500\u003c\/strong\u003e per funded order plus \u003cstrong\u003e4%\u003c\/strong\u003e of about \u003cstrong\u003e$298,000\u003c\/strong\u003e, which comes to about \u003cstrong\u003e$12,420\u003c\/strong\u003e before costs. Revenue can also include \u003cstrong\u003eseller subscription fees\u003c\/strong\u003e, \u003cstrong\u003ebuyer subscription fees\u003c\/strong\u003e, and \u003cstrong\u003eseller extra fees\u003c\/strong\u003e, but actual pay depends on provider agreements, state rules, disclosures, negotiated terms, and ethical fee practices.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eHow the fee is set\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$500\u003c\/strong\u003e fixed commission\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e4%\u003c\/strong\u003e of order value\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$298,000\u003c\/strong\u003e weighted order value\u003c\/li\u003e\n\u003cli\u003eAbout \u003cstrong\u003e$12,420\u003c\/strong\u003e before costs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eWhat changes the payout\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eNo universal commission rate\u003c\/li\u003e\n\u003cli\u003eProvider contract sets terms\u003c\/li\u003e\n\u003cli\u003eState rules affect disclosures\u003c\/li\u003e\n\u003cli\u003eSubscriptions add more revenue\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow many viatical settlements does a broker need to make money?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eA Viatical Settlement Brokerage does not make money from raw inquiries; it needs funded settlements that create paid brokerage compensation, and the provided model shows \u003cstrong\u003e39 funded cases in Year 1 still loses money before owner pay\u003c\/strong\u003e. For cost context, see \u003ca href=\"\/blogs\/operating-costs\/viatical-settlement\"\u003eWhat Are Viatical Settlement Brokerage Operating Costs?\u003c\/a\u003e; in this model, profit appears at about \u003cstrong\u003e129 funded cases in Year 3\u003c\/strong\u003e, producing roughly \u003cstrong\u003e$656k operating profit\u003c\/strong\u003e before taxes, reserves, payroll, and missing fixed costs.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eYear 1 reality\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e167 sellers\u003c\/strong\u003e acquired\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e20 buyers\u003c\/strong\u003e acquired\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e39 funded cases\u003c\/strong\u003e produced\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$969k revenue\u003c\/strong\u003e, still below profit\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eProfit levers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$800k\u003c\/strong\u003e marketing spend\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$276k\u003c\/strong\u003e known fixed costs\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e12%\u003c\/strong\u003e case costs\u003c\/li\u003e\n\u003cli\u003eTrack funded settlements, not leads\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWant the six drivers behind owner take-home?\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-main-income-drivers\" aria-label=\"Main income drivers for viatical settlement brokerage.\"\u003e\u003carticle class=\"driver-option is-cards\"\u003e\u003cdiv class=\"main-driver-grid\"\u003e\n\u003carticle class=\"main-driver-card is-primary\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e1\u003c\/span\u003e\u003ch4\u003eFunded Cases\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e39-290\u003c\/strong\u003e\u003cp\u003eScaling funded cases from 39 in Year 1 to 290 in Year 5 is the main profit engine.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e2\u003c\/span\u003e\u003ch4\u003eSettlement Size\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e$325K\u003c\/strong\u003e\u003cp\u003eBigger policies lift the fee base, so each close brings in more commission dollars.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e3\u003c\/span\u003e\u003ch4\u003eComp Rate\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e4%+$500\u003c\/strong\u003e\u003cp\u003eThe fixed fee plus 4% of order value sets gross revenue on every funded case.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e4\u003c\/span\u003e\u003ch4\u003eLead CAC\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e$3K-\u0026gt;$1.5K\u003c\/strong\u003e\u003cp\u003eLower seller and buyer CAC keeps more margin after marketing spend.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e5\u003c\/span\u003e\u003ch4\u003eFunnel Dropoff\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e4-stage\u003c\/strong\u003e\u003cp\u003eLess loss between lead, qualification, offer, and funding protects take-home.\u003c\/p\u003e\u003c\/article\u003e\u003carticle class=\"main-driver-card\"\u003e\u003cdiv class=\"main-driver-heading\"\u003e\n\u003cspan class=\"driver-rank\"\u003e6\u003c\/span\u003e\u003ch4\u003eOverhead Load\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cstrong\u003e$474K\u003c\/strong\u003e\u003cp\u003ePayroll, rent, and compliance costs must be covered before the owner sees cash.\u003c\/p\u003e\u003c\/article\u003e\n\u003c\/div\u003e\u003c\/article\u003e\u003c\/section\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eViatical Settlement Brokerage Core Six Income Drivers\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eFunded Settlement Volume\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n  \u003cdiv class=\"left-row1\"\u003e\n    \u003ch3\u003eFunded Settlement Volume\u003c\/h3\u003e\n    \u003cp\u003eOwner income only rises when a qualified case reaches funding and triggers a payable brokerage fee. The model grows from \u003cstrong\u003e39 funded cases\u003c\/strong\u003e in Year 1 to \u003cstrong\u003e69\u003c\/strong\u003e in Year 2, \u003cstrong\u003e129\u003c\/strong\u003e in Year 3, \u003cstrong\u003e175\u003c\/strong\u003e in Year 4, and \u003cstrong\u003e290\u003c\/strong\u003e in Year 5, so the real revenue driver is funded closings, not raw seller leads.\u003c\/p\u003e\n    \u003cp\u003eThe inputs are lead flow, qualification rate, underwriting approval, document quality, buyer appetite, seller acceptance, and cycle time. \u003cstrong\u003eNo funding means no commission\u003c\/strong\u003e, so a full pipeline can still produce weak cash flow if files stall or fail. More funded volume also spreads fixed overhead across more paid cases, which lifts owner take-home.\u003c\/p\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"right-row1\"\u003e\n    \u003cdiv class=\"tips-box\"\u003e\n      \u003ch3\u003eTrack Funding, Not Leads\u003c\/h3\u003e\n      \u003cp\u003eMeasure the funnel from inquiry to qualified file to funded settlement. Here’s the quick test: compare submitted files, funded cases, and days to fund each month. If funded volume falls while lead volume holds up, the leak is usually underwriting, missing documents, weak buyer fit, or seller hesitation.\u003c\/p\u003e\n      \u003cp\u003eProtect funding with tight intake and fast file checks. Match each case to buyer appetite early, and flag any gap in medical records, policy proof, or consent before it reaches the market. One clean funded case pays; one stalled file only burns staff time and cash.\u003c\/p\u003e\n      \u003cul class=\"lst_crct_blog\"\u003e\n        \u003cli\u003eTrack funded cases per month\u003c\/li\u003e\n        \u003cli\u003eSeparate leads from closed deals\u003c\/li\u003e\n        \u003cli\u003eWatch days from intake to funding\u003c\/li\u003e\n        \u003cli\u003eFlag underwriting failures fast\u003c\/li\u003e\n        \u003cli\u003eReview seller acceptance rates\u003c\/li\u003e\n      \u003c\/ul\u003e\n    \u003c\/div\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n  \u003cdiv class=\"step-circle step1\"\u003e1\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eAverage Case Size\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n\u003cdiv class=\"right-row2\"\u003e\n\u003ch3\u003eAverage Case Size\u003c\/h3\u003e\n\u003cp\u003eAverage case size is the value of each funded policy. In this model, brokerage pay scales at \u003cstrong\u003e4%\u003c\/strong\u003e of order value, so a weighted order value near \u003cstrong\u003e$298k\u003c\/strong\u003e produces about \u003cstrong\u003e$11.9k\u003c\/strong\u003e variable revenue per funded case, before the \u003cstrong\u003e$500\u003c\/strong\u003e fixed fee and before costs.\u003c\/p\u003e\n\u003cp\u003eThat lifts gross profit only when the case actually funds. Large policies can fail eligibility, miss acceptable bids, or stall before close, and the broker does not control policyholder payout risk. So the size of the file helps income, but only if underwriting, buyer appetite, and seller approval all line up.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"left-row2\"\u003e\n\u003cdiv class=\"tips-box\"\u003e\n\u003ch3\u003eMeasure Funded Value, Not Just Leads\u003c\/h3\u003e\n\u003cp\u003eTrack average funded order value by buyer type and repeat activity, using the modeled mix of \u003cstrong\u003e$300k\u003c\/strong\u003e, \u003cstrong\u003e$200k\u003c\/strong\u003e, and \u003cstrong\u003e$500k\u003c\/strong\u003e cases. Here’s the quick math: \u003cstrong\u003e$298k × 4% = $11.9k\u003c\/strong\u003e per funded case, so even small shifts in case mix can move monthly revenue fast.\u003c\/p\u003e\n\u003cp\u003eWatch qualified case count, bid acceptance, and funding rate alongside order value. If larger files close less often, tighten intake and buyer matching. A smaller deal that funds is worth more than a big one that never clears underwriting.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"step-circle step2\"\u003e2\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eBroker Fee Structure\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n\u003cdiv class=\"left-row3\"\u003e\n\u003ch3\u003eFee Per Funded Case\u003c\/h3\u003e\n\u003cp\u003eThis driver is the commission formula on each funded case: \u003cstrong\u003e$500 fixed\u003c\/strong\u003e plus \u003cstrong\u003e4%\u003c\/strong\u003e of order value. At the modeled \u003cstrong\u003e$298k\u003c\/strong\u003e weighted order value, that is about \u003cstrong\u003e$12,420\u003c\/strong\u003e per funded case before case costs, marketing, overhead, and reserves. One funded case can look large, but gross commission is not owner pay.\u003c\/p\u003e\n\u003cp\u003eThe math is sensitive. At \u003cstrong\u003e$298k\u003c\/strong\u003e, every \u003cstrong\u003e1 percentage point\u003c\/strong\u003e change in fee rate moves revenue by \u003cstrong\u003e$2,980\u003c\/strong\u003e per funded case. With \u003cstrong\u003e39\u003c\/strong\u003e funded cases in Year 1, that is roughly \u003cstrong\u003e$484,380\u003c\/strong\u003e of commission revenue before costs, but the owner still needs to fund compliance, staff, and cash timing.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"right-row3\"\u003e\n\u003cdiv class=\"tips-box\"\u003e\n\u003ch3\u003eTrack Net Fee Yield\u003c\/h3\u003e\n\u003cp\u003eTrack fee yield by funded case, not just total revenue. Use three inputs: funded orders, weighted order value, and actual realized fee after any contract terms or adjustments. Then compare gross commission to case costs, marketing, overhead, and reserves so you know what is left for owner pay.\u003c\/p\u003e\n\u003cp\u003eKeep \u003cstrong\u003estate rules\u003c\/strong\u003e, \u003cstrong\u003edisclosure requirements\u003c\/strong\u003e, \u003cstrong\u003eprovider contracts\u003c\/strong\u003e, and \u003cstrong\u003eethical compensation practices\u003c\/strong\u003e built into the fee schedule. If a fee is not disclosed cleanly, cash flow can get hit by delays, disputes, or rework. Never present pre-expense commission as owner take-home.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eCheck fee rate by state.\u003c\/li\u003e\n\u003cli\u003eReconcile funded cases monthly.\u003c\/li\u003e\n\u003cli\u003eTest owner draw after costs.\u003c\/li\u003e\n\u003cli\u003eReview contract disclosure language.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"step-circle step3\"\u003e3\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eLead Quality And CAC\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n\u003cdiv class=\"right-row4\"\u003e\n\u003ch3\u003eLead Quality Cuts CAC\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eLead quality\u003c\/strong\u003e drives owner income because weak seller and buyer leads burn cash before underwriting, bid review, and funding ever happen. In the model, seller CAC improves from \u003cstrong\u003e$3,000 in Year 1\u003c\/strong\u003e to \u003cstrong\u003e$1,500 in Year 5\u003c\/strong\u003e, and buyer CAC improves from \u003cstrong\u003e$15,000\u003c\/strong\u003e to \u003cstrong\u003e$10,000\u003c\/strong\u003e. Lower CAC leaves more commission revenue for gross profit and owner draw.\u003c\/p\u003e\n\u003cp\u003eFor this market, compliant professional referrals can beat broad paid leads because eligibility, trust, and timing matter. The key inputs are source mix, qualified lead rate, funded-case rate, and spend by channel. If a lead is a poor fit, the firm still pays for intake and underwriting work, but revenue may never show up.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"left-row4\"\u003e\n\u003cdiv class=\"tips-box\"\u003e\n\u003ch3\u003eTrack CAC By Source\u003c\/h3\u003e\n\u003cp\u003eMeasure CAC by lead source, not as one blended number. Tie each source to qualified files, offers, and funded settlements, then compare that to spend. Document referral source, consent, and disclosures so the pipeline stays clean and auditable.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eScreen eligibility before outreach.\u003c\/li\u003e\n\u003cli\u003eEducate, don’t pressure.\u003c\/li\u003e\n\u003cli\u003eCut weak paid channels fast.\u003c\/li\u003e\n\u003cli\u003eReview CAC monthly by source.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eUse careful intake to check policy type, timing, and paperwork up front. If one channel brings cheap clicks but few qualified cases, it hurts cash flow and delays owner pay. The better channel is the one that funds at a lower all-in cost.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n\u003cdiv class=\"step-circle step4\"\u003e4\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eConversion Rate And Cycle Time\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n  \u003cdiv class=\"left-row5\"\u003e\n    \u003ch3\u003eCase Conversion Speed\u003c\/h3\u003e\n    \u003cp\u003e\u003cstrong\u003eConversion rate\u003c\/strong\u003e is how many leads turn into qualified files, then offers, then \u003cstrong\u003efunded settlement\u003c\/strong\u003e—the point when the buyer wires cash and the deal closes. In viatical brokerage, that chain depends on medical underwriting, policy verification, documents, provider bids, seller decisions, and escrow. \u003cstrong\u003eNo funding means no commission\u003c\/strong\u003e, so weak files cut owner income fast.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eCycle time\u003c\/strong\u003e is the number of days a case sits in the funnel. Longer cycles trap staff time and marketing cash before revenue lands, while fixed costs like \u003cstrong\u003e$15k\u003c\/strong\u003e monthly office rent and \u003cstrong\u003e$8k\u003c\/strong\u003e cloud hosting keep running. At \u003cstrong\u003e39 funded cases\u003c\/strong\u003e in Year 1 and \u003cstrong\u003e290\u003c\/strong\u003e in Year 5, slow stage movement can delay a lot of cash.\u003c\/p\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"right-row5\"\u003e\n    \u003cdiv class=\"tips-box\"\u003e\n      \u003ch3\u003eCut Drop-Off Between Stages\u003c\/h3\u003e\n      \u003cp\u003eTrack \u003cstrong\u003elead-to-qualified\u003c\/strong\u003e, \u003cstrong\u003equalified-to-offer\u003c\/strong\u003e, \u003cstrong\u003eoffer-to-funded\u003c\/strong\u003e, and median days in each stage. Here’s the quick math: if a file fails underwriting, loses policy proof, or misses buyer fit, it should stop early, not after more labor and legal work. Clean intake raises funded volume and protects take-home pay.\u003c\/p\u003e\n      \u003cp\u003eUse intake checklists, document rules, and buyer-fit screens before escrow starts. That matters because seller CAC falls from \u003cstrong\u003e$3,000\u003c\/strong\u003e in Year 1 to \u003cstrong\u003e$1,500\u003c\/strong\u003e in Year 5, and buyer CAC from \u003cstrong\u003e$15,000\u003c\/strong\u003e to \u003cstrong\u003e$10,000\u003c\/strong\u003e. Faster closes turn that spend into cash sooner, and fewer bad files means less fallout.\u003c\/p\u003e\n    \u003c\/div\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n  \u003cdiv class=\"step-circle step5\"\u003e5\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eOverhead, Compliance, And Reserves\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"container_new_design_timeline\"\u003e\n  \u003cdiv class=\"right-row6\"\u003e\n    \u003ch3\u003eOverhead And Reserves\u003c\/h3\u003e\n    \u003cp\u003eIf fixed costs are too high, the owner ge\nts paid last. This model has \u003cstrong\u003e$15k\u003c\/strong\u003e monthly office rent and \u003cstrong\u003e$8k\u003c\/strong\u003e monthly cloud hosting, or \u003cstrong\u003e$23k\/month\u003c\/strong\u003e and \u003cstrong\u003e$276k\/year\u003c\/strong\u003e before payroll, legal review, licensing, cybersecurity, and \u003cstrong\u003eE\u0026amp;O insurance\u003c\/strong\u003e. Those items are not optional in a regulated brokerage, and if they are missed or underpriced, take-home drops even when revenue looks strong.\u003c\/p\u003e\n    \u003cp\u003eCase-related costs start at \u003cstrong\u003e12%\u003c\/strong\u003e of revenue, so profit depends on both close rate and cost control. One clean line: revenue does not equal owner income. If settlements slow or fees are delayed, fixed overhead keeps running while cash stays tight, so reserves matter before any owner draw.\u003c\/p\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"left-row6\"\u003e\n    \u003cdiv class=\"tips-box\"\u003e\n      \u003ch3\u003eFund Reserves Before Draws\u003c\/h3\u003e\n      \u003cp\u003eTrack the monthly burn rate against \u003cstrong\u003e$23k\u003c\/strong\u003e and build reserves before any owner distribution. Then price payroll, cybersecurity, legal review, licensing, and \u003cstrong\u003eE\u0026amp;O insurance\u003c\/strong\u003e into the model instead of treating them as extras. Use a monthly cash forecast so a weak funding month does not force the business to fund compliance out of the owner's paycheck.\u003c\/p\u003e\n      \u003cp\u003eMeasure fixed overhead as a share of funded revenue, and watch whether it stays covered as volume changes. If overhead runs at \u003cstrong\u003e$276k\u003c\/strong\u003e a year while case flow is thin, the right move is a bigger reserve or a smaller draw, not a bigger paycheck.\u003c\/p\u003e\n    \u003c\/div\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"timeline\"\u003e\u003c\/div\u003e\n  \u003cdiv class=\"step-circle step6\"\u003e6\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eCompare lean, base, and high-performance owner-income scenarios\n\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-scenario-table\" aria-label=\"Viatical Settlement Brokerage Owner Income Scenarios\" data-site-name=\"Financial Models Lab\" data-site-url=\"https:\/\/financialmodelslab.com\" data-source-title=\"Viatical Settlement Brokerage Owner Income Scenarios\" data-note-label=\"Planning note\" data-note-text=\"Scenario ranges are researched planning assumptions, not guaranteed earnings, salary promises, tax advice, or distributions.\"\u003e\u003cdiv class=\"fml-scenario-table-card\"\u003e\n\u003cheader class=\"fml-scenario-table-header\"\u003e\u003cdiv\u003e\n\u003cp class=\"fml-scenario-table-eyebrow\"\u003eOwner income scenario table\u003c\/p\u003e\n\u003cp class=\"fml-scenario-table-description\"\u003eOwner income swings hard because funded case count, case costs, marketing spend, and fixed overhead do not scale in step with revenue.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-scenario-table-actions\"\u003e\u003cbutton class=\"fml-scenario-table-export\" type=\"button\" data-scenario-export\u003eEXPORT XLSX\u003c\/button\u003e\u003c\/div\u003e\u003c\/header\u003e\u003cdiv class=\"fml-scenario-table-wrap\"\u003e\u003ctable class=\"fml-scenario-table-grid\"\u003e\n\u003ccaption\u003eCompare downside, base, and upside owner income under the model's case volume and cost assumptions.\u003c\/caption\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth class=\"fml-scenario-table-stub\" scope=\"col\" data-export-value=\"Scenario\"\u003eScenario\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Low Case\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eLow Case\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eLow case\u003c\/span\u003e\n\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Base Case\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eBase Case\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eBase case\u003c\/span\u003e\n\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"High Case\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eHigh Case\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-warning\"\u003eHigh case\u003c\/span\u003e\n\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Launch model\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-launch\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-launch-model.svg\" alt=\"Launch model icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eLaunch model\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"This is the lower-earnings path, where early volume and high marketing spend keep profit below zero.\"\u003eThis is the lower-earnings path, where early volume and high marketing spend keep profit below zero.\u003c\/td\u003e\n\u003ctd data-export-value=\"This is the modeled middle path, where scale improves but profit still depends on case cost control.\"\u003eThis is the modeled middle path, where scale improves but profit still depends on case cost control.\u003c\/td\u003e\n\u003ctd data-export-value=\"This is the stronger-earnings path, where volume and margins expand enough to lift owner income sharply.\"\u003eThis is the stronger-earnings path, where volume and margins expand enough to lift owner income sharply.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Typical setup\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-setup\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-typical-setup.svg\" alt=\"Typical setup icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eTypical setup\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Year 1 defaults with about 39 funded cases, $969k revenue, 12% case costs, $800k marketing, and $276k known fixed costs, which leaves operating profit before owner pay negative.\"\u003eYear 1 defaults with about 39 funded cases, $969k revenue, 12% case costs, $800k marketing, and $276k known fixed costs, which leaves operating profit before owner pay negative.\u003c\/td\u003e\n\u003ctd data-export-value=\"Year 3 defaults with about 129 funded cases, $325 million revenue, 98% case costs, and $20 million marketing, leaving about $656k operating profit before owner pay before taxes, reserves, payroll, and missing fixed costs.\"\u003eYear 3 defaults with about 129 funded cases, $325 million revenue, 98% case costs, and $20 million marketing, leaving about $656k operating profit before owner pay before taxes, reserves, payroll, and missing fixed costs.\u003c\/td\u003e\n\u003ctd data-export-value=\"Year 5 defaults with about 290 funded cases, $731 million revenue, 75% case costs, and $35 million marketing, which points to about $298 million operating profit before owner distributions.\"\u003eYear 5 defaults with about 290 funded cases, $731 million revenue, 75% case costs, and $35 million marketing, which points to about $298 million operating profit before owner distributions.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Cost drivers\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-drivers\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-cost-drivers.svg\" alt=\"Cost drivers icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eCost drivers\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"funded cases; case costs; marketing spend; fixed overhead; owner pay timing\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003efunded cases\u003c\/li\u003e\n\u003cli\u003ecase costs\u003c\/li\u003e\n\u003cli\u003emarketing spend\u003c\/li\u003e\n\u003cli\u003efixed overhead\u003c\/li\u003e\n\u003cli\u003eowner pay timing\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003ctd data-export-value=\"funded cases; 98% case costs; $20M marketing; taxes and reserves; missing fixed costs\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003efunded cases\u003c\/li\u003e\n\u003cli\u003e98% case costs\u003c\/li\u003e\n\u003cli\u003e$20M marketing\u003c\/li\u003e\n\u003cli\u003etaxes and reserves\u003c\/li\u003e\n\u003cli\u003emissing fixed costs\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003ctd data-export-value=\"funded cases; 75% case costs; $35M marketing; margin mix; owner distributions\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003efunded cases\u003c\/li\u003e\n\u003cli\u003e75% case costs\u003c\/li\u003e\n\u003cli\u003e$35M marketing\u003c\/li\u003e\n\u003cli\u003emargin mix\u003c\/li\u003e\n\u003cli\u003eowner distributions\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Owner income range\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-range\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-planning-range.svg\" alt=\"Owner income range icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eOwner income range\u003c\/span\u003e\u003cspan class=\"fml-scenario-row-subtitle\"\u003eBefore owner reserves\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"-$1.2M\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e-$1.2M\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eLoss path\u003c\/span\u003e\n\u003c\/td\u003e\n\u003ctd data-export-value=\"$656k\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$656k\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eMiddle case\u003c\/span\u003e\n\u003c\/td\u003e\n\u003ctd data-export-value=\"$298M\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$298M\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-warning\"\u003eUpside case\u003c\/span\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Best fit\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-fit\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-best-fit.svg\" alt=\"Best fit icon\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eBest fit\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Use this to stress-test the first operating year and the cash draw if volume stays light.\"\u003eUse this to stress-test the first operating year and the cash draw if volume stays light.\u003c\/td\u003e\n\u003ctd data-export-value=\"Use this as the core planning case for lender, investor, and owner cash planning.\"\u003eUse this as the core planning case for lender, investor, and owner cash planning.\u003c\/td\u003e\n\u003ctd data-export-value=\"Use this to test upside capacity, but only if case flow, compliance, and funding all scale cleanly.\"\u003eUse this to test upside capacity, but only if case flow, compliance, and funding all scale cleanly.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003c\/div\u003e\n\u003cdiv class=\"fml-scenario-table-note\"\u003e\n\u003cspan class=\"fml-scenario-table-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003ePlanning note:\u003c\/strong\u003e Scenario ranges are researched planning assumptions, not guaranteed earnings, salary promises, tax advice, or distributions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003c\/section\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49304438931699,"sku":"viatical-settlement-owner-makes","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/viatical-settlement-owner-makes.webp?v=1782694768","url":"https:\/\/financialmodelslab.com\/products\/viatical-settlement-owner-makes","provider":"Financial Models Lab","version":"1.0","type":"link"}