Data-Driven Allocation
Life settlements are the only asset class where your counterparty is an A+ rated insurance carrier, not the market, not a tenant, not a borrower. Target 8–15% IRR with a 100% historical payout rate. The data speaks for itself.
The Analysis
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 settlements exceeds $4.6 billion annually and is growing. Institutional players (pension funds, endowments, sovereign wealth funds) have allocated to this space for over two decades because the returns are driven by actuarial math, not market sentiment.
For individual investors, life settlements offer true diversification: an asset whose performance is structurally uncorrelated to equities, fixed income, real estate, or commodities. The payout is contractual, backed by the full reserves of the issuing insurance carrier.
| 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
Complete a 2-minute assessment. We evaluate your investor profile, time horizon, and capital allocation goals.
Our platform identifies policies that fit your criteria: face value, life expectancy window, premium structure, and target IRR.
You receive a detailed policy brief: carrier rating, insured demographics (anonymized), LE report, premium schedule, and projected IRR across multiple scenarios.
Transaction clears through a licensed US clearinghouse. You become the policy beneficiary. We handle all servicing, premium payments, and monitoring.
Complete a 2-minute assessment. We evaluate your investor profile, time horizon, and capital allocation goals.
Our platform identifies policies that fit your criteria: face value, life expectancy window, premium structure, and target IRR.
You receive a detailed policy brief: carrier rating, insured demographics (anonymized), LE report, premium schedule, and projected IRR across multiple scenarios.
Transaction clears through a licensed US clearinghouse. You become the policy beneficiary. We handle all servicing, premium payments, and monitoring.
Track Record
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, with the same underwriting rigor, the same carrier-backed guarantees, and full transparency into every policy.
Due Diligence
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
Tell us about your investment goals. We’ll model how life settlements fit your portfolio.
“Life Settlements by the Numbers: IRR Scenarios, Risk Modeling, and Portfolio Impact Analysis”