The Guarantee
Your Capital, Backed by
US Insurance Carriers.
No market risk. No tenant risk. No counterparty default in the history of US life insurance death benefits. Life settlements convert your capital into a guaranteed contractual obligation from A+ rated carriers.
The Foundation
Why the Safest Money in the World Is Moving Here
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.
This is not speculative. A life insurance death benefit is a contractual obligation from a rated carrier: the same carriers that have paid claims through world wars, pandemics, and every financial crisis in modern history. The payout is binary: it will be paid. The only variable is when.
For capital that cannot afford to be lost, life settlements offer what no other alternative asset can: a guaranteed payout from a regulated counterparty with zero correlation to equity markets.
| 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 |
Security & Oversight
Built on a Regulated Foundation
A+ Rated Carriers
Every policy is backed by carriers rated A+ or higher by AM Best. These are the most creditworthy financial institutions in the world.
43-State Regulatory Framework
Life settlements are regulated at the state level with consumer protections, licensing requirements, and mandatory disclosures.
Licensed Clearinghouse Settlement
All transactions clear through state-licensed settlement providers with escrow, title verification, and carrier confirmation.
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.
Certainty in Practice
A Track Record of Certainty
Anonymized case study. Past performance does not guarantee future results.
These same carriers have honored every death benefit claim through the Great Depression, 2008, and COVID-19. The payout is contractual. The question is not if, but when.
Due Diligence
Frequently Asked Questions
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
See If You Qualify
Capital preservation starts with the right asset class.
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