The Opportunity

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A large, established, and clearly defined asset class

$20T in Face Value of Policies Existed in the U.S. as of 2017

$900B Worth of Policies Lapse Annually

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Poised for
meaningful growth

$185B of Gross Average Annual Life Settlements Forecasted for 2016-2025*

 

*Conning Inc. https://www.gisfunds.com/conning-review-life-settlements-market-size

 
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  • As awareness of cash-out options permeates the market, policyholder interest will naturally grow:

    Currently ~90% of all life insurance policies written terminate without any payment (nearly 5% lapse annually). As it stands, those policyholders unaware of cash-out options end up with zero cash and zero insurance – even after years of paying premiums.

  • …As will their desire to identify alternatives to maximizing the value of their policies:

    On average, insurance companies pay less than one-third of fair market cash value of a policy at disposition¹ – often charging additional “surrender” fees in the process.