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The Virtus View is a weekly to bi-weekly e-mail publication that Brian authors in order to keep you updated on the current market situation.

What IS a Life-Settlement?

A life settlement generally refers to the sale of a life insurance policy by a policyowner for less than the face value of the policy to third party investors. The third party investor(s) plans to profit at death of the insured by collecting more in death benefits that were paid out (e.g., the purchase price, the transactions costs, and premiums). This translates into higher profits the sooner the policy holder dies. A "viatical settlement" is the same as a life settlement except the insured is chronically or terminally ill (as defined by the IRS Code).

Life Settlements Have an Average Return of 10-15%.

Sound Horrible???

We Thought So Too....at First.

LIfe Settlements Provide a Valuable Service for Both the Investor and the Insured. To the investor, a life settlement is a long-term investment unaffected by market conditions, global economy, or world events. To the insured, a sale of their policy means a chance to receive money today for an asset they no longer need.

Imagine this: Your Grandmother can no longer afford to pay her life insurance premiums of $50,000 a year. She has several choices and can:

A) walk away from the policy, and lose everything, Or B) Have a reduced policy paid to her beneficiary at the time of death by having a 3rd party investor pay her to BUY the policy, enabling her to live a comfortable life while she is alive.

Transactions of this type have been available for Americans since 1911. Aids sufferers created a small market in the 1980's when their policies were sought out by speculators. The credit crisis has seen a rise of elderly Americans for whom their life-insurance policy is one of their more valuable assets.

The Economist reports estimates of it being a $18-19 billion market as of June, 2009.

Are you someone who could benefit from investing in a Life Settlement and Help Someone Else ( while having minimal risk with a high return) ?

Contact us today at 817.717.3812

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