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Frequently Asked Questions

Business Meeting
  • What is a Life Settlement?
    A life settlement is when an owner of a life insurance policy sells it to a non-related third party. A life settlement is an alternative to a surrender or lapse of a policy, or when the owner of a life insurance policy no longer needs or wants the policy or can no longer afford to pay the premiums.
  • How is Life Expectancy determined?
    The Funds providers are actuarial and medical experts who apply probability theory, actuarial methodology, and medical analysis using the records of the insured to calculate the probable life expectancy of an insured.
  • What about the Insured?
    If the insured meets underwriting criteria he/she can sell their policy and obtain much needed cash now. The purchaser benefits by purchasing a high grade investment product with above average returns and no correlated market risk.
  • How does a Life Settlement Function?
    Our life settlement transaction is similar in nature to a zero-coupon bond, except the purchaser does not know the exact redemption date.
  • Is it morbid to make money off the Insured?
    No, by purchasing the insured’s policy you are providing them funds they need, not later when they are deceased and unable use them. Your purchase may help them obtain much needed medical help or allows them to stay in their homes or helping their loved ones or funds to fulfill lifetime dreams.
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