Many life settlement companies design their investments in ways that create surprise costs and added risk for clients. The Annuity Alternative offers a safer, more predictable approach.
The Old Way
Traditionally, these companies placed your money into one or more life insurance policies. They also set aside part of your funds in a “premium reserve account.” This account covers the cost of insurance through the insured’s estimated life expectancy.
But if the insured lives longer than expected, the account can run out. When that happens, you must pay premiums out of pocket to keep the policy active.
If the insured passes away earlier than expected, many companies keep the leftover reserve funds. That extra money becomes profit for them, not a refund for you.
The Annuity Alternative Way
At Life Asset, we’ve built a smarter and safer way to invest. Our system lowers the chance of surprise premium calls.
Instead of buying just one policy, you invest in a pool of policies. You own a portion of the entire group. One shared premium reserve account supports them all, creating more security.
If one policy runs longer than expected, reserve funds from the rest help cover the extra cost. That way, you’re less likely to pay out of pocket.
If a policy matures early, we don’t keep the unused funds. We leave them in the reserve to help pay future premiums on the remaining policies.
Once the final policy matures, we return any leftover reserve funds to you not to our company.
“Life expectancy is only a rough estimate. No one can predict the exact date someone will pass away.”
Some policies may go beyond the expected timeframe. If that happens, your overall return could be lower. But with our pooled model, your risk is reduced—and your peace of mind is greater.