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A Life Settlement is the purchase of an existing life insurance policy held by a terminally ill or elderly person by an investor.
The returns on Life Settlements, unlike stocks, mutual funds and other investments are unaffected by market fluctuations,
interest rates and economic cycles. Life Settlements is one of the fastest growing investment
trends in today’s financial markets, historically providing double-digit annualized rates of return.
Instead of a terminally ill or elderly policy owner allowing a policy to lapse, or
surrendering it back to the insurance company for a small cash value, individuals can sell their
policies to investors for a percentage of the face amount which in most cases maximize cash to the seller well in
excess of current cash surrender values. Life Settlements provide a valuable service for both the investor and insured.
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