When we refer to life settlement investors on this website we mean individuals (not institutions) who purchase shares in securitized life settlement pools or fully diversified life settlement funds. We refer to the institutions who actually acquire policies as buyers and/or funders.
We believe it is unethical for an individual life settlement investor to buy individual policies. Those transactions are contrary to the best interest of an insured whose timely death is necessary for the life settlement investor to receive their expected return. Therefore, we will not knowingly participate in the sale of individual policies to individual life settlement investors.
As life settlements become more main stream in the United States, shares in securitized life settlement pools and life settlement funds may become more available to individual life settlement investors who value these attributes:
Although life settlements have been negatively impacted by the retrenchment of capital resulting from the recent credit crisis, they are still a very desirable asset class in the current economic environment. As capital continues to return to the market, individual life settlement investors can anticipate new offerings of securitized life settlement pools and/or life settlement funds.