Question 1

What is a Life Settlement?

Accepted Answer

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.

Question 2

How is Life Expectancy determined?

Accepted Answer

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.

Question 3

What about the Insured?

Accepted Answer

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.

Question 4

How does a Life Settlement Function?

Accepted Answer

Our life settlement transaction is similar in nature to a zero-coupon bond, except the purchaser does not know the exact redemption date.

Question 5

Is it morbid to make money off the Insured?

Accepted Answer

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.

Frequently Asked Questions

What is a Life Settlement?

How is Life Expectancy determined?

What about the Insured?

How does a Life Settlement Function?

Is it morbid to make money off the Insured?

Send us a message
and we’ll get back to you shortly.

Frequently Asked Questions

What is a Life Settlement?

How is Life Expectancy determined?

What about the Insured?

How does a Life Settlement Function?

Is it morbid to make money off the Insured?

Send us a message and we’ll get back to you shortly.

Send us a message
and we’ll get back to you shortly.