The Life Settlement market presents both opportunity and risk, and we are proud to be leading the way. Clients from all corners of the industry have relied on L&E to value and manage their risks in order to successfully realize the opportunities. Our consultants have worked alongside life settlement providers, brokers, marketing groups, underwriters, state insurance departments, and court-appointed receivers. We have a firm understanding of the life settlement industry, including expertise in:
L&E actuaries and consultants have substantial experience in evaluating expected premium and maturity cash flows, by calendar year, for in-force blocks of policies.
The cash flow projections recognize key risk factors likely to impact expected mortality, such as diagnosis and life expectancy at the time of purchase and can incorporate alternative premium strategies such as premium loans or cash value reductions.
Our consultants utilize cash flow projections to: assign a current value to the portfolio, provide guidance for setting premium funds needed to secure payment of future premium obligations, and evaluate compensation and expected returns to investors.
As insurance experts, L&E can provide valuable insight when defining management strategies for maximizing a portfolio’s value. L&E identifies any policy options available to reduce future premium outlay and identifies those policies with the highest return to the portfolio.
For portfolios available for sale, L&E assists in evaluating offers for purchase – many offers provide for returns based on ongoing maturities. Our analysis of offers will allow you to select the best offer consistent with your objectives.
L&E actuaries and consultants have provided valuable support to underwriting and marketing companies in the production of new business. Additionally, L&E can:
“We are very happy with the service and quality responsiveness.”
-- Dan Costello Vice President - American Life Insurance Company