How it Works
Life Settlements provide exposure to a unique non-correlated asset class with a known cost and a known yield, with the primary risk being time.
A Life Settlement is a no longer wanted, needed, or affordable life insurance contract sold by an
insured to a third party who assumes responsibility for the payment of premiums until the policy matures at the insuredʼs passing.
The Life Settlement functions very similarly to a zero-coupon bond. The purchaser is buying future dollars at a significant discount. In consideration for premiums paid, the life insurance company will pay the death benefit at the insuredʼs passing provided the contract is in good standing and all premiums are paid up to date. Unlike any other market-based investment, Life Settlements behave like a performance contract and it should be noted that the US Legal Reserve Life Insurance System has never failed to pay a legitimate claim since the inception of the industry. The only trigger affecting the purchaserʼs receipt of the death benefit is the mortality of the insured.
Relative to other risk-adjusted fixed-income investments, the return characteristics are attractive and there are no human or other variables like manager performance or geo-political upheaval that affect the outcome.
Life Settlements provide exposure to a unique non-correlated asset class with a known cost and a known yield, with the primary risk being time. These characteristics make them particularly appropriate for qualified investors in search of portfolio diversification and low-volatility, risk-adjusted returns.
What We Do
Investing in Socially Responsible asset classes promotes environmental stewardship, consumer protection, human rights, and diversity. The traditional stock and bond asset allocation methodology is no longer a balanced approach.
The Shield Advantage
Shield Financial Services specializes in making the hard simple when it comes to participating in the Life Settlement asset class. Shield employs best in class counter-parties to provide the highest quality products, services, and investor protections.
Disclaimer
Investing in FRACTIONAL LIFE SETTLEMENTS is limited to
CALIFORNIA RESIDENTS ONLY