Gain a clear understanding of Life Settlement Assets, their unique market advantages, and how they align with long-term financial strategies.
A Life Settlement Asset refers to acquiring Life Insurance contracts, in the form of a Life Settlement. These contracts ultimately pay the owner, providing significant benefits to our clients, as a unique addition to a diversified portfolio.
Unlike traditional financial options, Life Settlements serve as a reliable form of value and offer a level of security unmatched by other assets in fluctuating market dynamics. By purchasing these assets, our clients have the opportunity to enrich their portfolios and promote lasting financial stability.
Evaluate policies in secondary and tertiary markets.
Employ impartial, third-party medical underwriting.
Assess each policy using life expectancy and premium costs to determine its value.
Secure policies through a transaction process akin to real estate.
Take the next step in diversifying your assets. Connect with us to learn how Life Settlement Assets can provide lasting value for you and your clients.
Life insurance policies were recognized as private property, establishing the legal foundation for life settlements as a financial asset.
During the AIDS epidemic, terminally ill individuals gained financial relief by selling policies for immediate funds, creating a model for today’s settlements.
Seniors began selling unwanted policies, turning them into financial resources for care, living expenses, and retirement support.
Consumer protections and transparency measures bolstered investor confidence and solidified Life Settlements as a reliable, regulated asset class.
With $25.5 billion in active policies and $10 billion traded annually, technology has streamlined life settlements, attracting major investors and fueling market growth.
Life Settlement Assets offer an alternative pathway to diversify and solidify your portfolio. Clients gain financial security without relying on traditional financial instruments that are subject to market risks. Life Settlement Assets are particularly well suited for those seeking a niche and data-driven alternative asset class.
Selling a life insurance policy through a life settlement transaction provides immediate financial relief, particularly for individuals without familial support. The lump-sum payment helps alleviate financial burdens such as overdue medical expenses, rising long-term care costs, and retirement plan contributions.
For family offices and high-net-worth individuals already involved in areas such as real estate or private equity, Life Settlement Assets offer comparable yield while bearing a risk level similar to that of a T-Bill. These assets fit seamlessly into portfolios as a reliable tool to reduce overall portfolio risk exposure.
At Titan Horizon Group (THG), we provide more than access to Life Settlement Assets. We serve as your comprehensive partner, offering guidance and expertise to ensure each transaction is executed properly.
As premier Life Settlement contract locators and acquisition specialists, we help accredited and institutional clients realize the unique value that comes with leveraging Life Insurance contracts as assets, while our tax planning services provide added support for long-term wealth transfers and cross-generational legacy planning.
THG’s specialized team focuses on sourcing and managing asset-grade U.S. life insurance policies, offering clients access to stable, non-correlated growth opportunities. Our proprietary selection models, and utilization of licensed and reputable providers strike an optimal balance between risk-adjusted returns, time-to-maturity, and counterparty credibility, ensuring that only the high-quality policies enter your portfolio.
Our tax planning service enables clients to pass wealth down seamlessly through business and family generations. We design strategies to minimize transfer taxes, preserving more of your legacy to benefit future generations without compromising your current financial goals.
From sourcing to underwriting, we manage the contract acquisition process until official carrier confirmation of your ownership, and beyond. Our experienced underwriters conduct comprehensive evaluations and risk assessments, ensuring that each acquired contract meets high standards for long-term growth and stability.
Life Settlement Assets offer non-correlated growth, meaning they are not impacted by traditional market fluctuations in the public and private equities markets and in real estate. This makes them a secure addition to a diversified portfolio, ideal for clients looking to preserve wealth in a stable, lower-risk environment.
Titan Horizon Group is committed to fostering long-term relationships that transcend a single transaction. We strive to be your trusted strategic partner, guiding your financial journey with tailored solutions. From advanced wealth transfer planning to precise tax strategies, we ensure your family and business legacy endure, empowering you to achieve long-term success and financial stability.
With an unmatched blend of asset acquisition, meticulous management, and tailored tax planning strategies, Titan Horizon Group provides exceptional support for clients seeking to grow, protect, and preserve wealth across generations. Our expertise ensures lasting financial stability and a meaningful legacy.
Contact us to explore how Life Settlement Assets and tax planning can strengthen your financial future and secure your family’s legacy.
A Titan Horizon Group representative is ready to guide you through the process of locating a policy for your portfolio.
Please fill out the form and a Titan Horizon Group representative will be in touch shortly.
This will close in 0 seconds
In 1911, the U.S. Supreme Court ruled in Grigsby v. Russell that the assignment of an insurance policy to someone without an insurable interest in the insured's life is valid:
This will close in 0 seconds
Viatical settlements emerged in the 1980s during the AIDS crisis. Terminally ill patients sold their life insurance policies to third parties for cash, offering a way to cover high medical costs and immediate financial needs caused by shortened life expectancies.
Here are some other key points about the history of viatical settlements:
This will close in 0 seconds
Life settlements became a practical financial solution for seniors with life insurance policies they no longer needed or could afford. Instead of lapsing or surrendering these policies, seniors could sell them to third-party buyers for immediate financial benefit. This era offered seniors a new way to turn life insurance into a meaningful financial resource.
Key Details:
This will close in 0 seconds
As the Life Settlement market grew, regulations were introduced to protect both policyholders and investors. This streamlined approach enhanced efficiency, delivering faster settlements and higher payouts, making it easier for policyholders to access funds.
The introduction of these regulations played a crucial role in fostering market growth and stability.
This will close in 0 seconds
Technological advances have made the market more efficient, while institutional investors like Berkshire Hathaway and Blackstone are drawn to the non-correlated nature of these assets. Analysts predict continued growth, with further industry development through the 2030s.
This market is expected to grow as more investors recognize the value and stability of Life Settlements.
This will close in 0 seconds
This will close in 0 seconds
This will close in 0 seconds
Notice & Disclaimer: All purchasers must be Accredited and purchases are subject to the terms of the Policy Purchase Agreement. This website is for informational and educational purposes only. Life Settlement contracts are not securities and thus any descriptive materials are not to be viewed as the offering of either a registered or unregistered security or a securitized product. Performance in the form of total asset appreciation, at contract maturity, is not an annual or other periodic rate of return measurement and will be lower if the individual insured under the Life Insurance contract being purchased outlives his or her estimated life expectancy. Changes in the costs of insurance and/or non-guaranteed crediting rates could affect the total appreciation, or resale value of the Life Insurance contract.
Titan Horizon Group (The Company) and its affiliates, utilize Licensed Life Settlements providers and Institutional Life Settlements holders to procure Life Settlement contracts as we are not licensed as, neither act nor intend to act as: an insurance agency, insurance agent, Life Insurance broker or producer, investment advisor, a broker-dealer, registered representative, viatical or Life Settlements provider, viatical or Life Settlements broker, or viatical or Life Settlements representative. The Company does not sell or offer to sell securities, and nothing herein shall be deemed or construed to be an offer by The Company to sell a security, a solicitation by The Company of a person to purchase a security or an invitation by The Company for any person to make an offer to purchase a security. The Company is not an agent, broker, fiduciary or representative of visitor to this website. The Company does not provide insurance, financial, investment, legal or recommendations, and therefore visitors to our website, or recipients of our educational materials should absolutely not rely on them nor on The Company as a basis either for a decision to purchase or, after a purchase, to hold, any Life Settlement contract.
Visitors to the website should consult their own financial, insurance, investment, estate planning, legal and tax advisors. The Company makes no warranties, express or implied, as to the accuracy or completeness of any of the information provided on this website. Further, any educational materials are provided “AS IS” without any warranty of any kind, express or implied, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose or use, accuracy or completeness of any information contained either in the educational materials or in respect of The Company’s sale of any Life Settlement contract. All warranties, whether express or implied, are hereby disclaimed by The Company.
