Life Settlements

As a portion of your portfolio, life settlements may offer the opportunity for significant growth without any correlation to traditional asset classes.

Life settlements are unaffected by the volatility of the equity markets, the real estate markets, the geopolitical climate or interest rates.

A life settlement is the sale of an unwanted or unneeded life insurance policy to a third party for an amount that is more than the policy’s cash surrender value and less than the death benefit.

The policy owner benefits by being able to sell his/her policy — which he/she has already decided to surrender, for various reasons, often because of very high and unaffordable premiums — for significantly more than the surrender value.

An investor may benefit by purchasing the right to receive a small fractional portion of the death benefit of several policies — each fractional share purchased at a discount.

We can help you determine whether life settlements are a good fit for your retirement plan, as a growth strategy to offset inflation in retirement.

Your investment advisor is not permitted to offer, and no statement contained herein shall constitute, tax, legal or accounting advice. You should consult a legal or tax professional on any such matters.

Questions about your retirement?

To schedule a time to discuss your financial future and the possible role of insurance or investment products in your financial strategy, fill out the form below: