With respect to a life settlement contract, no person shall directly or indirectly pay a referral or finders fee to any person other than the

The owner's physician is not permitted to receive referral or finders fees in life settlement transactions, as their role is primarily medical and does not involve facilitating or brokering the sale of the life insurance policy. Allowing such payments could lead to conflicts of interest and ethical concerns regarding patient care and financial incentives.

Insurance consultants provide advice regarding insurance products and strategies but are not authorized to receive referral or finders fees in life settlement contracts. Their role does not include brokering the sale of the policy, which is exclusively designated to licensed life settlement brokers, ensuring compliance with regulatory standards.

An owner's accountant may assist in financial planning and tax implications related to life insurance policies but is not allowed to receive referral or finders fees. Similar to physicians and consultants, accountants do not engage in the transactional activities required in life settlements, thereby excluding them from receiving such compensation.