Tailored Solutions, Maximized Value —
Every Step of the Life Settlement Journey.
What we do
At Longevity Life Group, we support clients through every phase of the life settlement process.
We deliver a comprehensive suite of specialized services for institutional and private clients involved in life settlements, where life insurance policies are sold by policyholders.
Our team handles each transaction and portfolio with a customized approach, carefully aligning strategies with the client's objectives, financial parameters, and risk preferences to optimize outcomes and deliver the best possible
financial performance.
About Life Settlements
What is a Life Settlement?
A life settlement is a financial transaction where a policyholder sells their life insurance policy for a cash payment. This amount is higher than the policy's cash surrender value but less than its death benefit. The buyer takes on the policy premiums and receives the benefit when the policyholder passes away.
Why Choose Us
High Standards
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We only work with life insurance carriers rated A- or better by AM Best, ensuring the highest level of financial stability and reliability.
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We prioritize partnering with carriers that have a proven track record of customer satisfaction and claim payment history.
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By maintaining rigorous selection criteria, we provide our clients with the peace of mind that comes from working with the most reputable companies in the industry.
Experienced Underwriters
We partner with experts, including Lapetus Health Intelligence Solutions, Focus Medical Underwriters, and more, ensuring accurate life expectancy assessments and thorough underwriting.
Client-Focused Approach
We understand that every client's needs are unique. That's why we provide a tailored approach to each transaction, aligning our strategies with your specific financial goals, preferences, and risk parameters.
How it works:
Select a Policy
We guide you in selecting the right policy for your needs.
Sign Purchase Agreement
Complete the sales agreement and fund the escrow account.
Transfer Ownership
Longevity Life Group handles all aspects of ownership and beneficiary change.
Receive Payment
The buyer will collect the death benefit when the original policyholder passes away.
Life Tracking & Premium Monitoring
After the purchase, we provide ongoing premium tracking services for peace of mind. For the first year, there are no fees. Starting from year two, there is a minimal monthly charge for life and premium tracking.
Investor Insights
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Non-Correlated Asset: Life settlements offer returns independent of stock market fluctuations.
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High Yield Potential: With double-digit return possibilities, life settlements are an attractive investment option.
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Built-in Protections: Backed by insurance companies with high credit ratings, this asset offers low default risk.
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Ideal for Diversification: As a non-correlated, high-yield alternative asset, life settlements provide an excellent way to diversify and stabilize your investment portfolio.
Our Network
We are affiliated with leading organizations such as the Life Insurance Settlement Association (LISA) and the European Life Settlement Association (ELSA). These associations ensure transparency, ethical practices, and professionalism in all our transactions.
Industry Highlights
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In 2023, licensed LISA member providers paid over $842 million to policyholders for selling unwanted life insurance policies.
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Life settlement payments were on average 6.2 times more than cash surrender value, translating into $262,000 extra per transaction.
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Despite growing, life settlements still represent a small fraction of the 9 million policies that lapse or are surrendered annually.
We believe in offering personalized solutions that help you unlock the full potential of your life insurance policies. Whether you’re a policyholder or an investor, Longevity Life Group is here to provide the expertise, guidance, and support you need.