The Investment Side Of Life Settlements

Life Settlements are a great option to provide cash now for an unwanted or too expensive Life Insurance Policy. What is not known by the public is how this process helps those who are 75 or older SELL FOR CASH their unwanted too expensive Life insurance Policies.

We have many clients that we have helped free up huge premium payments and receive a CASH settlement that really makes a difference in our client's retirement years.

But today I want to go over the financial rewards in investing in buying Life Settlement policies.

The way this is structured is that a pool of investor's money buys the Life Plans based on the life expediencies of the insured who want to sell their policy. Our firm needs the client to be 75 or older or younger with major health issues to be considered to purchase their policy...

The typical policy we buy is on a male 78 with some health issues..If our investors buy 420 policies based this age group statistically deaths will occur randomly and a profit would be made in the first 5 years.

At the end of 5 years we keep the sickest client's polices and sell the remainder to other investors now that they are 5 years older. At this time there is a tremendous profit and there is still the polices we kept for ourselves.

If the pool has less than 420 policies and is a smaller fund the same math applies except the random deaths in the first 5 years are not a guarantee.

The rates of return are huge if the right policies are bought for the investors...

We are NOT SOLICITING FUNDS but if you want to learn more about how Life Settlements work as an investment we can at least give you more details.

As Always All My Best...

Saul L. Appel CLU ChFC CCPS