Mission Statement

Our Mission is to be the leading provider of Life Settlements by using our full authenticity, integrity, and loyalty to fulfill the needs of our clients.

Our Impact in Numbers

FairMarket History

Since 2004, FairMarket Life Settlements has helped seniors and families receive cash for their life insurance to help them adjust their life plan. Here is a summary of the total applications, total face value reviewed, purchased face value, and total invested dollars.

Number of Applciations


Unique settlement applications

Face Value Reviewed

$100 billion


Aggregating in net face value

Purchased Face Value

$3.5 billion


Purchased in aggregate net face value

Total Invested Dollars

$750 million


Investment Costs Since 2004

FairMarket Life Settlements Corp. (“FairMarket”) was incorporated in January 2004. The owners, management and staff of FairMarket are noted for their expertise in the life settlement business, their tradition of regulatory support and their long experience with institutional funding. FairMarket’s management has been in the institutionally funded viatical and life settlement business since 1992, which has enabled us to understand and operate efficiently within that environment. FairMarket has worked with domestic and international financing partners such as Cargill Industries, Berkshire Hathaway/Gen Re, Deutsche Bank, Credit Suisse, Mizuho International, and JP Morgan Chase.

In the Spring of 2020 FairMarket brought on new investors. While key management and staff will remain at FairMarket, the new investors do intend to grow and expand the services that FairMarket offers. FairMarket is in the process of expanding its State licensing and will add policy servicing in the future. 

Our Team

Lauri Vitali

Senior Account Manager
Lauri Vitali was born in St. Paul, MN. She attended Hamline University and earned her BA in Psychology and Philosophy and her Master of Arts degree with an emphasis on Individual and Society. Lauri started her 21 + years of experience in life insurance at Prudential Financial from there went to Hartford Life , and has spent the last 14 + years at  Fairmarket Life Settlements. Lauri is also a Real Estate Agent and  enjoys traveling, hiking, sports and spending time with her family.

Keith Luecke

Operations Manager
Keith Luecke was born in St. Louis Missouri and was raised in Michigan, Wisconsin, Kansas and attended the University of Kansas in Lawrence Kansas. He has been the Director of Operations for FairMarket Life Settlement since it’s inception in 2004 and has had the day-to-day responsibility for the development and implementation of all the Company’s internal operations. A successful business developer and manager, Mr. Luecke was the Chief Information Officer and General Manager of Living Benefits Financial Services, L.L.C. from June 2001 – December 2003. He served as Vice President of Operations from 1996 to 2001 for the predecessor settlement company to Living Benefits. Prior to 1996, Mr. Luecke served for more than 20 years as senior executive in a variety of entrepreneurial companies specializing in logistics and production management, personnel and production facilities management and financial operations.

Colleen Thurber

Director Compliance

Colleen Thurber was raised in the Upper Midwest.  During Colleen’s career, she worked for a major insurance company managing license and registration activities and in the viatical/life settlement industry where she’s responsible for regulatory compliance. Colleen also has enjoyed being an educator in the town of Annandale Minnesota where she and her husband live. Colleen and her husband, Bob have been married for 26 years and have two children.  In her free time, she enjoys gardening, fishing and spending time with her family and friends.

Heather Hystone

Account Administrator

Heather Hystone was born in, and currently resides in, Minneapolis, MN.  She attended Brown Institute for Computer Operations which led to a decade as a mainframe Computer Operator for banking institutions and advanced to a position as a Commercial Construction Loan Processor.  She has held various administrative positions with the most recent being Billing and Accounts Receivable for long term care facilities with a pharmacy chain.

Mia Warnemunde

Account Administrator

Mia Warnemunde was born in Seoul, Korea and was adopted at 6 mos. old.  Mia grew up in the suburbs of the Twin Cities, and currently resides in Fridley, Minnesota.  Mia has worked in the life insurance industry for over 27 years, starting her career with Prudential for over 13 years, and has currently been with FairMarket Life Settlements now for over 14 years.  Mia has one son, who will be starting his 2nd year of college this fall.  Mia enjoys spending her free time with friends and family.  Mia enjoys traveling; Mia has been to several different states in the US, and has also traveled to Hawaii, Mexico, London, Paris, Germany, Switzerland, Nice, Monte Carlo, and South Korea.

Todd Green


Todd Green was born in Monmouth, IL. He attended college at the University of Arkansas and played football for legendary coach Lou Holtz. At age 23, Todd got his start in the car dealership business, becoming the youngest Toyota dealer in the nation. Over the years, that has expanded into 13 different car brands, selling over 15,000 cars per year. In the 2000s, he began to diversify into other business ventures. Todd brings his 40+ years of business knowledge and investments to LSS. He spends most of his time in Naples, FL and the other time in Springfield, IL. Todd has been married for 27 years and has two children in their early twenties. In his free time, Todd enjoys playing pickle ball, golfing, and traveling with his family.

Clay Winfield

President / ceo

Clay Winfield was raised in the Midwest and attended Southern Illinois University (SIUE). Clay founded Winfield Construction in 1974. The business focuses on the construction of homes and apartments, commercial construction, and land development. Clay created two bank holding companies in Illinois and Florida and holds a board position for a publicly traded company. Clay has always been involved directly with people and enjoys the business relationships he has made through the years. He has been a full time resident of Naples, Florida, since 2000. Clay and his wife, Bonnie, have been married for 28 years. They have five children and six grandchildren. In his spare time, Clay enjoys golf, traveling, and spending time with his family.

Peyton Minder

Closings coordinator

Peyton Minder was born and raised in New Berlin, IL. He attended college at Lincoln Land Community College and St. Ambrose University where he played baseball. Peyton studied business administration and was named Academic All-American in 2018 and 2019. Peyton now resides in Naples, FL where he is an assistant baseball coach at Naples High School. In his free time, he enjoys hunting, fishing, playing golf, and visiting friends and family.

Gabe Green

Vice President Administration

Gabe Green was born and raised in Springfield, IL where he was named 2014 Illinois Football Gatorade Player of the Year. He attended and played football at the University of Southern Mississippi and the University of St. Thomas (MN). He graduated with a degree in business leadership and management. Gabe now resides in Naples, FL where he enjoys working in the life settlement industry. In his free time, he loves to play golf, pickle ball, and eat great food. Gabe is thankful to have gained experience of many cultures from traveling all across the world.