Blue Smoke

About Us

 
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Our Goals 

Estate Portfolio Management's strives to offer the highest quality alternative asset class strategy solution tailored to meet the specific need of Accredited, Qualified and Business clients.

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Mission Statement

Estate Portfolio Management creates diversified life settlement strategies by leveraging policies in order to provide optimal returns while reducing risk.

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Strategy

Analyze, plan, implement and deploy assets that maximize the strength of the Life Settlement secured asset class.

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Asset Class Background

Market Size and Growth

Policies are issued by A- or better rated U.S. Life Insurance companies.  The U.S. Life Insurance industry has more than $5 trillion dollars in assets with a surplus of over $280 billion dollars. Generally, life insurance policy values are unaffected by market conditions, contrary to a stock market investment.

Life Settlement Industry

With life expectancies rising, there is a dire need for our aging population to maintain their standard of living.  By utilizing the inherent value of a life insurance policy death benefit, life settlements provide economic opportunity for the policy owner and the purchaser of the policy.

The secondary traded market of U.S. Life Policies is expected to grow to 160 billion dollars over the next decade.  The primary market of U.S. Whole Life policies is worth 9 trillion dollars which indicates a life settlement penetration of less than 1%.  

 
Blue Smoke

Asset Class Background

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Unveiling the Inherent Value of a U.S. Life Insurance Policy, while Reducing Risk in an Increasingly Volatile World.

 
First Estate Funds is Dedicated to Assisting:
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Life Settlement Basics

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What is a Life Settlement?

A Life Settlement investment is modeled after a real estate transaction.  It is similar in nature to a zero-coupon bond in the that the purchaser knows at the time of purchase what the total expected return will be.  A purchaser acquires the entire policy, with no fractional interest or policy pooling.

How does it function?

A financial transaction in which a senior sells their life insurance policy they no longer need.  A Life Settlement is an alternative to a policy lapse or surrender which will result in a possible loss of all premiums paid.

What are the Benefits?

A secured asset that provides above average returns. Diversification of investment risk can be achieved.  Accredited Investors with IRA's, Roth IRA's, SEP, 401(k), 403(b)'s, and 503(c) non-profit organizations can purchase life settlements as part of a long-term investment strategy.

 
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2740 Windguard Circle

Suite 102

Wesley Chapel, FL 33544

Estate Portfolio Management, Inc. holds itself out as a private investment company pursuant to The Investment Company Act of 1940, Sections 3(c)(1) and 3(c)(7).