Life Settlements

*This marketing is intended for residents of California who have the financial means, experience, and knowledge to make investments into complex and illiquid financial products. It is intended for educational purposes only and should not be construed as investment or financial advice.

OUR BALANCED APPROACH

True Diversification Where A Portion Of Your Wealth Is:

Make Decent Gains while receiving payouts from some of the most Financially Strong Companies in the World.

Disclaimer: This marketing is intended for accredited investors who have the financial means, experience, and knowledge to make investments into complex and illiquid financial products. It is intended for educational purposes only and should not be construed as investment or financial advice.

WHAT ARE LIFE SETTLEMENTS?

A life settlement is the purchase of an existing life insurance policy, by a third-party investor, for more than the cash surrender value of the policy. Originally designed for institutional and corporate investors, the life settlement market is now available to qualified individuals.

OUR PROCESS

1

Investor decides to use non-qualified (cash), or qualified funds (retirement account) to buy into a pool of life settlements.

2

An independent trust company receives the funds.

3

The trust company issues a certificate of ownership to the investor.

4

A portion of the invested money is transferred into the policy maintenance account.

5

When a policy matures the insurance carrier pays the claim to the independent trust company.

6

The independent trust company then pays the investor their share of the proceeds.

Life expectancy estimates are not 100% accurate and there’s no guarantee the insured will pass away on an exact date. Investors must realize there is a possibility some or all of their policies could go past life expectancy, thus lowering their overall return.

FAQ'S

$10,000 for a non-qualified investment (cash), or $25,000 for a qualified investment (IRA/Roth IRA/401k/403b).

You can use non-qualified funds (cash) or qualified funds, which includes most retirement accounts. (IRA/Roth IRA/401k/& 403b.)

Yes. For more than a 100 years people have been selling their life insurance policies for a cash settlement. In 1911 the Supreme Court ruled in (Grigsby v. Russell) that selling and buying a “life
settlement” is a legal transaction, no different than selling or buying any other asset.

While the payout from a life settlement is uncorrelated by stock market volatility or other economic factors, there are a few risk factors to consider with this investment.

The insurance carrier can contest the payout of a death benefit in the first two years from when the policy was issued to the insured. To mitigate this issue, we do not purchase policies less than two years old.

Although you are paid as each policy you are invested in matures, early withdrawals are not available and you are committing your funds until policies have matured.
Investors should not place funds in a policy they can’t afford to leave untouched for several years.

Your return can be calculated one of two ways: as an overall return, or as an annual rate of return (APR). Until a policy matures you cannot know your APR. This is why we prefer to show clients their estimated overall return. Before marketing a policy, we typically fix the overall return according to how many months the insured is expected to live.

Example:

An 80 year old male is expected to live 5 years – 60 months. We would show an estimated overall return of 60%. In this case, if an investor had $10,000 invested in this policy, they would receive $16,000* when the policy matures. Once the policy matures the investor can figure out exactly their annual rate of return (APR). The sooner the policy matures the higher the APR; the longer it takes to mature the lower the APR. 

Disclaimer: Life expectancy estimates are not 100% accurate and there’s no guarantee any insured will pass away on an exact date. Investors must realize there is a possibility some or all of their policies could go past life expectancy, thus lowering their overall return.

Interested In Our Life Settlement Investments?
Contact Us:
(213) 460-5586

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Disclaimer: This marketing is intended for accredited investors who have the financial means, experience, and knowledge to make investments into complex and illiquid financial products. It is intended for educational purposes only and should not be construed as investment or financial advice.

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