Accredited Investors

If you are an accredited investor and interested in investing in the life settlement industry, contact Ideal Settlements today.  Ideal Settlements works with accredited investors around the world interested in life settlement investments. The company provides services at no cost to the investor. When you apply with Ideal Settlements, 100% of your investment goes directly towards the investment.  Additionally, there is no account, maintenance, trading or management fees throughout the holding period and no one shares in the profit at maturity.

Over the last several years we have seen a rapid increase in accredited investors entering into the life settlement market. This is contributed to higher yields that can be possible compared to other types of investments that are dependent on, and can suffer from, market performance. Life Settlements are referred to as a safe harbor type asset because they are not correlated to market performance and are immune from fluctuations in the stock and bond market, interest rates and business cycles while still providing the opportunity for exceptional returns on investment.  Our provider has a documented history of mid-double digit returns for almost 20 years.

As an accredited investor you should have an understanding of what sets a company apart from others. Before investing with a life settlement company consider the following:

  • Transparency
  • Types of policies funded by a company
  • Average Compounded ROI
  • Median ROI
  • Number of policies purchased by a company
  • Ability to diversify your investment portfolio by purchasing both whole policies and fractional shares
  • Ability to structure your own portfolio
  • Is the company well funded and financially stable?
  • Is your transaction handled for you through and independent fiduciary
  • Does that fiduciary have a trust company charter?
  • Are you a direct beneficiary of the policy and not part of a pool or a fund?
  • Do you have online real-time access to your portfolio?
  • Can you actually visit the company and speak with the officers
  • Do you receive ownership paperwork and verification for policy and share that you own?
  • Are your investment funds handled by the fiduciary through an escrow account held at a major bank?
  • Is the company in the United States and not “off-shore”?
  • Does the company have a verifiable track record?
  • Does the company allow the use of “Qualified” (IRA, 401K) funds

Life settlement companies should always have the fiduciary responsibility to the investor by minimizing risk. One way of minimizing the risk is investing in policies that are issued by the oldest and most financially sound insurance companies in the industry. By purchasing policies from a reputable, legal reserve, life insurance company with a solid financial rating, you will enjoy the same regulatory protection available to all life insurance policy holders. This will help minimize the risk of an insurance company filing from bankruptcy or going out of business.  Going back to the early 1900’s and even through the Great Depression there has never been a highly rated, legal reserve life insurance company that has failed to pay on a policy.

A life settlement is the sale of an existing life insurance policy by a terminally ill or elderly person to an investor. The price of the policy is negotiated and sold by the policyholder at a discount to the face value. When the policy matures the purchaser collects the full death benefit from the policy. This transaction also commonly referred to as senior settlements and viatical settlements. In order to invest in the life and viatical settlement asset you must be an accredited or institutional investor.

Below is a list of the different types of accredited investors, individuals and organizations we can work with:

  • Accountants/CPA’s
  • Individual retail accredited investors
  • Attorneys
  • Broker-Dealer
  • Doctors
  • Directors
  • Equity Owners
  • Executive Officers
  • Fiduciaries
  • Financial Planner
  • Fund Managers
  • General Partners
  • Hedge Fund Managers
  • Investment Advisors
  • Investment Manager
  • Investment Professional
  • Money Managers
  • Pension Fund Managers
  • Portfolio Adviser
  • Portfolio Manager
  • Trustee

The laws for investing in this asset class are different in each country. If you live outside of the United States contact us for additional information pertaining to your place of residency. In America, you are permitted to invest in life settlements if you have a net worth of at least one million dollars or made at least $200,000 each year for the last two years. If the individual is married the requirement increases to $300,000.

These requirements are subject to change so please contact us for the latest updates to these provisions. If you live outside of the United States please contact us to discuss this investment opportunity.

*Please contact Ideal Settlements for the most updated information pertaining to definitions, terms and regulations pertaining to the life settlement industry.

If you are an accredited investor and interested in a an asset that is not dependent on market performance and has a verifiable history of double-digit returns in the life insurance settlement industry, contact Ideal Settlements today.

Ideal Settlements works with life settlement investments for accredited  investors around the world: North America, South America, Europe, Asia, Africa, Australia & Antarctica.

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