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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:
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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:
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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:
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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.
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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.
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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.