A Senior Life Settlement is the sale of an insurance policy issued on the life of someone whose life expectancy can be reasonably estimated by empirical means.

Life Settlements are similar in nature to a zero-coupon bond. Policies are purchased at a discount to their face value. These discounts fall into general brackets according to the life expectancy of the insured, but will vary slightly based on individual policy features and market conditions for the policy.

Yield is computed from the difference between the cost basis (including any premiums paid) and the amount paid out when the policy matures. An annualized return on investment may be derived from this yield by adjusting it for the holding period of the investment.

The acquisition cost includes all of LPI's fees and costs associated with the transaction as well as all fees for servicing.

Transaction Security

All transactions are regulated by the Texas Department of Insurance and are closed through Sterling Trust Co., an independent trust company regulated by the Texas Department of Banking

Inherent Asset Value

Policies are issued by some of America's oldest and most financially sound life insurance companies. Our clients enjoy the same regulatory protection available to all life insurance policy holders. Even during the Great Depression, life insurance companies still paid off their policies.

Superior Yield Potential

Compare the potential yields from Life Settlements to other types of investments. Life Settlements are immune from fluctuations in the stock and bond markets, interest rates and business cycles while still providing the opportunity for exceptional returns on investment.

Risk Amelioration

Normally, exceptional returns require accepting enormous risk to both investment capital. Not so with Life Settlements. Because the key factor affecting yields is time, rather than market conditions, exceptional returns can be realized with a low risk to investment capital.