Institutional clients owning life settlement portfolios recognize that active management of these assets creates profit opportunities throughout the course of the holding period. These activities generally fall into two areas - insured tracking and premium optimization.
Insured Tracking
LifeSet Advisors supports portfolio managers by maintaining active relationships with insureds, their families and physicians. These relationships enable us to provide up-to-date contact information, as well as facilitate the timely acquisition of current medical records and life expectancy reports. This hands-on approach, handled with appropriate sensitivity and within HIPAA guidelines, helps uncover significant health events (including maturities) on a timely basis which can lead to increased value for an individual policy and the overall portfolio.
Premium Optimization
Managing the premium load of a life settlement portfolio is often a manager's greatest challenge. LifeSet Advisors helps optimize cash deployment by obtaining current illustrations for all policies on both level-premium and cost-of-insurance bases. The entire portfolio is then entered into a spreadsheet to detail minimum monthly cash requirements to insure policies never enter into grace or lapse status. Clients are provided with customized payment schedules to match their cash flow needs. Application of premium payments by the insurance carriers are carefully monitored and updated illustrations are ordered to determine whether payments can be reduced to further optimize cash outlay.
DISCLAIMER: This site is not an offer by LifeSet Advisors, LLC to buy or sell any life insurance policy or any interest therein, nor any investment or security. LifeSet Advisors, LLC does not provide tax advice or investment advice or advocate the purchase or sale of any life insurance policy, security or investment.