IRS Form 1099-LS (Tax Year 2026)
Reportable Life Insurance Sale
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No IRS Setup Required
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IRS Form 1099-LS is used to report reportable policy sales involving life insurance contracts. The form provides the IRS and insurance issuers with information about the sale or transfer of a life insurance policy, including details about the seller, buyer, and transaction proceeds.
Pricing
Small to Mid-Size Filers
- (Up to 5,000 recipients)
$249
- per submission*
- Includes first 100 recipients
- $0.28 per additional recipient (101–5,000)
- Unlimited payers included
Enterprise / High Volume
- Over 5,000 recipients
- Multiple submissions
- Custom pricing available
- * A submission is a single file with unlimited payers of one form type (i.e. 1099-NEC or 1099-MISC).
File with Confidence
- No TCC, ID.me, or IRS Setup
- You don’t need a TCC or ID.me account. We handle everything.
- We Transmit Using Our IRS Credentials
- We file on your behalf using our approved IRS TCC.
- Direct, Secure IRS Submission
- Files are transmitted directly to the IRS through the IRIS A2A channel.
- Data Validation Before Filing
- We validate your data to help reduce errors and rejections.
- Fast Turnaround
- Tailored to your data volume for quick processing.
- SOC 2 Compliant System
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- 20+ Years Experience
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HOW OUR IRIS FILING PROCESS WORKS
Upload Your File
Upload your Excel or CSV file securely.
We Validate & Format
We format and validate your data to IRS standards.
Review & Approve
We generate IRS-ready PDFs for your approval.
Filed Directly to IRS
Your forms are e-filed securely using IRIS.
No manual processing. Fully automated IRIS submission.
Frequently Asked Questions (FAQs)
Do I need a TCC or ID.me account to file Form 1099-LS through your service?No. You do not need a TCC, ID.me account, or IRS IRIS setup. We use our credentials to securely transmit filings through the IRS IRIS A2A channel on your behalf.
Simply upload your spreadsheet or filing data through our secure portal. We prepare and validate the filing, generate recipient copies for review, and electronically transmit the returns to the IRS through the IRIS A2A system.
Yes. We can assist with corrected filings, amended information, and prior year Form 1099-LS electronic filings through the IRS system.
A reportable policy sale generally occurs when an interest in a life insurance contract is transferred to another party for valuable consideration.
Your data is transmitted through a secure portal and handled confidentially throughout the preparation and electronic filing process.
