For Qualified Investors
The Asset Class Institutional
Investors Don’t Talk About
Life settlements deliver 8–15% target IRR, backed by A+ rated insurance carriers, with near-zero correlation to public markets. $4.6B trades annually, almost entirely between institutions. Until now.
The Opportunity
What Blackstone, Apollo, and BlackRock Already Own
When a senior no longer needs their life insurance, they can sell it. You buy the policy at a discount, continue the premiums, and receive the full death benefit. The insurance company pays. Not the seller, not a fund, not a counterparty.
The secondary market for life insurance policies exceeds $4.6 billion in annual transaction volume. Until recently, this market was dominated by institutional buyers: hedge funds, pension systems, and sovereign wealth funds, who recognized the structural advantages: contractually guaranteed payouts, actuarial predictability, and near-total insulation from equity and credit cycles.
Retail investors have been locked out not because of regulation, but because of access. The infrastructure (sourcing, underwriting, servicing, compliance) was built for institutions. Clearview changes that. We give qualified individuals the same deal flow, the same diligence, and the same asset class that the largest allocators in the world already hold.
| Life Settlements | Real Estate | S&P 500 | Bonds | |
|---|---|---|---|---|
| Target IRR | 8–15% | 6–12% | ~10% avg | 4–6% |
| Correlation to equities | Near zero | Moderate | 1.0 | Moderate |
| Counterparty | A+ rated insurer | Tenants / market | Market | Issuer |
| Liquidity | Low (hold to maturity) | Low | High | Moderate |
| Tax advantages | Capital gains treatment | Depreciation | Standard | Standard |
The Process
How It Works
Qualify
Complete a 2-minute assessment. We evaluate your investor profile, time horizon, and capital allocation goals.
Match
Our platform identifies policies that fit your criteria: face value, life expectancy window, premium structure, and target IRR.
Review
You receive a detailed policy brief: carrier rating, insured demographics (anonymized), LE report, premium schedule, and projected IRR across multiple scenarios.
Acquire
Transaction clears through a licensed US clearinghouse. You become the policy beneficiary. We handle all servicing, premium payments, and monitoring.
Track Record
Performance Speaks
Anonymized case study. Past performance does not guarantee future results.
Life settlement portfolios are held by Blackstone, Apollo, BlackRock, and sovereign wealth funds globally. Our platform brings the same asset class to qualified individual investors.
Due Diligence
Questions We Get Asked
Yes. Life settlements are regulated in 43+ states. The Supreme Court established the right to sell life insurance policies in 1911 (Grigsby v. Russell). Transactions clear through state-licensed entities.
Your capital remains invested and premiums continue. IRR compresses but the payout is guaranteed by the carrier. We model multiple longevity scenarios for every policy so you can evaluate downside cases before committing.
Every policy we present includes the carrier rating, LE reports from independent underwriters, and a full premium schedule. We price based on actuarial data, not gut feel.
The policyholder is selling an asset they no longer want or can afford. The alternative is lapsing, getting $0 from a policy they paid into for decades. Settlements typically pay 4–7x the surrender value. This is a win for the seller.
Life settlement proceeds are generally treated as capital gains. Policies held in self-directed IRAs can grow tax-free. Consult your tax advisor for your specific situation.
This is a hold-to-maturity asset class. Typical holding periods are 3–10 years depending on the insured's LE. This is not suitable for capital you may need on short notice.
Get Started
Request Access to the Platform
Qualified applicants receive access within 24 hours.
“The Institutional Playbook: How Life Settlements Deliver Uncorrelated Alpha”