Life Settlement Investments

Bill Schantz, CEO of Senior Settlements, LLC, has been a pioneer in implementing investment structures using insurance assets.

Before investing in a life settlement, investors may wish to keep the following points in mind:

The return on a life settlement depends on the insured’s life expectancy and the date of the insured’s death. As a result, the accuracy of a life expectancy estimate is essential. If the insured dies before his or her estimated life expectancy, the investor may receive a higher return. If the insured lives longer than expected, the investor’s return will be lower. If the insured lives long enough or if life expectancy is miscalculated, additional premiums may need to be paid and the cost of the investment could be greater than anticipated.

The competence of a life expectancy underwriter and the accuracy of the life expectancy estimate are critical to the return on a life settlement. For the most part, life expectancy underwriters are not licensed or registered by state insurance regulators, and information about the methodologies and review procedures that life expectancy underwriters use is not generally disclosed.

It is very important that investors choose the right company when investing in Life Settlements. Senior Settlements has been originating and servicing life settlement policies for over two decades and is an expert in the underwriting and due diligence processes when acquiring policies.