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LIFE SETTLEMENTS *For Accredited Investors Life Settlements are uncorrelated assets. No matter what happens to interest rates, the economy, political climate, foreign currencies, or who is in the White House, life settlement payouts are unaffected. Return of principal is through contractual obligation of America's largest and most financially stable companies such as New York Life, Prudential, AIG, and other highly rated insurers.
The industry is estimated at over $100 billion and has been dominated by institutional investors including Berkshire Hathaway, AIG and CNA. But Life Settlements are also available to individual investors through direct fractional ownership. This is like owning one room in each of several luxury hotels, without having to purchase all of the properties. The investor pays a fraction of the cost for ownership and beneficiary rights to a portion of the investment policy and maintains individual control over the asset. This offers the RARE opportunity of double-digit returns for investors, with the low risk parity of investment-grade bonds.
Life Settlements fit perfectly in the accredited investor’s portfolio as a replacement for CDs, money markets or bonds, provided liquidity is not an issue. Unlike CDs, money markets and bonds, life settlements are mid-to-long term investments of at least three to five years, and can not be relied upon for short-term liquidity. They are an excellent hedge for your portfolio, yielding much higher returns than fixed money investments, yet not affected by market risk.
So what is a life settlement? It is the sale of an existing life insurance policy by a senior citizen, that is unwanted, unneeded or no longer affordable. The price of the policy is negotiated and sold by the owner to another party at a discount to the face amount. The owner benefits from the immediate cash payout. The purchaser then collects the full face amount of the policy when it matures (death benefit).
Life Settlements are considered a valuable financial planning tool and have been recognized by AARP, Kiplinger’s, Bloomberg, The Wall Street Journal, American Institute of CPAs, “60 Minutes,” “20/20,” “Dateline,” CNBC Business Channel, and others.
To view a presentation on this exciting investment opportunity, contact us for a password.
*To qualify as an Accredited Investor by the state of Texas, you must have at least one of the following: Net worth (either individually or with spouse, if any), including home(s), investments, all property and other assets, in excess of $1,000,000. Individual annual income in excess of $200,000 in each of the two most recent years, and expected in the current year. Annual income, jointly with spouse in excess of $300,000 in each of the two most recent years, and expected in the current year. The purchaser is a legal entity and all of the entity’s equity owners meet at least one of the three tests listed above. A trust with total assets in excess of $5,000,000 whose investment decisions are directed by a person who has such knowledge and
experience in financial and business matters that he is capable of evaluating the merits and risks of the prospective investment. A revocable trust created by an investor for his or her own benefit who meets at least one of the first three tests listed above.
DISCLAIMER: This presentation is for informational and educational purposes only. It does not constitute an offer to sell or a solicitation of any offer to buy any securities in any state or in the United States of America. This presentation is intended only for accredited investors. Participants must not construe the contents of this presentation or any prior or subsequent communication from the company, agents or affiliates, or any other person associated with this presentation as legal, financial, tax or investment advice. Each participant should consult with his or her own personal legal counsel, business or tax advisor as to legal, tax, financial and related matters concerning the matters described in this presentation.
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