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Life Settlements Contract Locator
Life Settlements Contract Locator
Why Life Settlements Are
the Hidden Gem for Family Offices
New York, February 25, 2025
In today’s turbulent financial ecosystem, family offices are searching for innovative strategies to safeguard their wealth. Life settlements, an often-overlooked asset class, provide a unique opportunity for stable risk-adjusted returns and effective portfolio diversification.
What Makes Life Settlements Stand Out?
Life settlements involve purchasing existing life insurance policies from individuals who no longer need them. Purchasers assume the ongoing premium obligations and receive the death benefit upon maturity. Key advantages include:
Non-Market Correlation
Life settlements are generally less affected by traditional market fluctuations, offering a degree of insulation from equity and real estate market volatility.
Stable Risk-Adjusted Returns
While returns can vary between individual policies, a balanced life settlement portfolio generally yields an average annualized return of 16-20%, while bearing a risk profile similar to that of a treasury bill.
Multiple Layers of Safety
Life settlement payouts are considered statutory obligations to the issuing insurance carriers. In the unlikely event of an insolvency or a default, each state administers a state life insurance guarantee fund that protects policyowners up to a certain amount, typically 300-500k. (Similar to FDIC & SIPC)
Life Settlement is a great Market Opportunity
Source: Air Asset Management
How Titan Horizon Group Supports Family Offices
Titan Horizon Group offers tailored solutions:
- Policy Sourcing: High-quality policies that align with your acquisition objectives and strike a balance between risk-adjusted returns, time-to-maturity, and counterparty creditworthiness.
- Portfolio Management: Partners with NorthStar Life Services to provide post-sale insureds tracking and ongoing policy servicing.
Life settlements deliver exceptional risk-adjusted returns and effective diversification, which attests that when positioned and executed properly, diversification doesn’t necessarily imply a compromise in returns.
Get Personalized Consultation
Contact Titan Horizon Group
Start building your diversified life settlement portfolio today.
Sources:
WDeep dive review of the Life Settlement Fund from UpMarkethat You Should Know About Life Settlements: https://www.finra.org/investors/insights/what-you-should-know-about-life-settlements
Why Life Settlements Make Sense: https://www.themcgriffalliance.com/why-life-settlements-make-sense
Demand drives life settlement fund performance: https://www.theasset.com/article/50969/demand-drives-life-settlement-fund-performance
Life Settlements: A Hidden Source Of Cash For Seniors: https://www.forbes.com/councils/forbesfinancecouncil/2022/01/06/life-settlements-a-hidden-source-of-cash-for-seniors/
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