SERVICES

Living Benefits Financial Group, LLC represents institutional investors in purchasing, selling and servicing individual life insurance policies and portfolios of life insurance policies. Policies acquired from seniors in the US have become an attractive, non-correlated asset for many large institutional investors worldwide. Our company, along with its subsidiaries, provides world-class service to meet the needs of our clients during each stage of the life settlement transaction. Detailed below are the key services we provided.

Origination

Identifying and submitting eligible individual life insurance policies and portfolios of policies to institutional buyers.

Due Diligence

Complete analysis of the closing process, products and documents for the purchase and sale of portfolios and individual life insurance policies. Policy portfolio verification and valuation as well as fraud detection systems.

Acquisition/Pricing

Provide analytical modeling of each policy within a portfolio, as well as the portfolio as a whole, to ensure proper pricing.

Servicing

Manage portfolios of life insurance policies which includes determining the minimum amount of premium required by the carrier to keep the policies in force. Portfolio managers monitor internal policy costs, premium cash flows and the death claim procurement process.

Trading

Monitor the portfolio's performance to determine the timing of additional sale opportunities. Manage the relationships of buyers and sellers to make proper introductions when appropriate.

Lending

We provide a non-recourse loan product for individual policies and portfolios of policies allowing relief from premium payments while beneficiaries and policy owners remain intact.