Living Benefits® Financial Group — Full Service Life Insurance Finance

Living Benefits® Financial Group, LLC (“LBFG”) represents institutional investors in buying, selling, and servicing individual life insurance policies and portfolios. Policies acquired from seniors in the US have become an attractive non-correlated asset for many large institutional investors worldwide.

Living Benefits® Financial Group has three areas of focus for regulatory and business purposes and provides the services through it's subsidiaries and affiliates.

Living Benefits® Financial Services, LLC (“LBFS”) is a provider for life / viatical settlements licensed in states where it can acquire policies. The company can also acquire policies in states without legislation governing life settlement transactions.

In the absence of specific state statute or regulation, LFBS substantially complies with the overall standards provided in the NAIC (National Association of Insurance Commissioners) Model Act.

Living Benefits® Asset Management, LLC (“LBAM”) has developed unique pricing tools and has priced more than 8,000 life insurance policy submissions from life insurance producers in the last three years.

LBAM as an institutional life settlement brokerage has established solid connections to large life insurance agencies, brokerages and financial planning firms through its controlling members.

LBAM as a special project company established itself with the controlling members becoming the lead originator for a Health and Behavioral Survey Program arranged by a large international institutional bank. Over the course of the first quarter in 2008, more than 3,000 health and behavioral surveys were successfully originated with healthy seniors across the US.

LBAM as a portfolio trader focuses on a proprietary analysis and acquisition process that follows a thorough due diligence methodology. When a client engages LBAM in a portfolio trade project, LBAM’s controlling members have historically serviced the portfolio on a go forward basis once the trade is complete.

LifeLoan® Financial Services, LLC ("LifeLoan®") (2010) in conjunction with experts in the life settlement industry came together to create an alternative to life settlements that could capture another potentially large segment of the market. When compared to life settlements, this new LifeLoan® product is more efficient and flexible, easier to understand, and may serve a broader group of policyholders.

A LifeLoan® is a loan to a qualified life insurance policy owner which meets the needs of senior citizens and their estates as well as portfolio managers nationwide by providing a non recourse loan to pay all future premiums using the policy or portfolio as sole collateral.