http://assetlifesettlements.com.au/ Asset Life Pty Ltd Articles http://assetlifesettlements.com.au/?process=views/article.php&articleId=3502 http://assetlifesettlements.com.au/?process=views/article.php&articleId=3502 The foundation of a Life Settlement also known as a Senior Life Settlement is a life insurance policy sale or settlement by a senior citizen - hence the name - Life Settlement or Senior Life Settlement. In plain language, a life insurance policy is and asset which is owned by an individual, like real estate, a car, stocks or any other asset or investment. This life insurance policy may be sold just like any other asset as long as that life... http://assetlifesettlements.com.au/?process=views/article.php&articleId=3775 http://assetlifesettlements.com.au/?process=views/article.php&articleId=3775 Evaluating the value of a policy on offer to purchase, starts with entering its data for pricing analysis. Asset Lifersquo;s Life Settlements Pricing Model is a sophisticated spreadsheet tool that projects future policy cash flows for both single life and joint life insurance contracts. These values are then used to calculate a net present value of a life insurance policy. For universal life policies, the pricing model reverse solves for the... http://assetlifesettlements.com.au/?process=views/article.php&articleId=3520 http://assetlifesettlements.com.au/?process=views/article.php&articleId=3520 Life settlements investment programs should be given serious consideration by institutional investors as a means to provide very competitive returns in an alternative asset class that is non-correlated with the major investment markets. These portfolios can be constructed as stand alone investments that meet tailored investment criteria of the investor as well as a means to diversify existing investment portfolios and reduce overall... http://assetlifesettlements.com.au/?process=views/article.php&articleId=3518 http://assetlifesettlements.com.au/?process=views/article.php&articleId=3518 There are various characteristics of policies and portfolios of policies coming to the settlement market that should be considered for life settlements investment programs. Typically, these assets include standard policies, jumbo policies, premium financed policies and portfolios of policies. Standard policies represent the ldquo;mainstreamrdquo; marketplace and consist of policies with face values that range from 250,000 to 20,000,000... http://assetlifesettlements.com.au/?process=views/article.php&articleId=3516 http://assetlifesettlements.com.au/?process=views/article.php&articleId=3516 nbsp;As part of its risk management controls, Asset Life has put in place a ldquo;Life Trackingrdquo; system that maintains separate tracking of insuredrsquo;s and policies to independently monitor policy maturities to ensure that the institutional investor receives timely payment of the policy benefits. The insured individual agrees at inception to be monitored by Asset Lifersquo;s specialist tracking services and consents to maintain... http://assetlifesettlements.com.au/?process=views/article.php&articleId=3515 http://assetlifesettlements.com.au/?process=views/article.php&articleId=3515 Most investment structures use leverage to maximize IRR. Leverage from a life settlement investment is generally structured in the amount of two-to-three times the equity, depending on the structure, and will result in an additional two-to-three percent IRR for each time the equity is leveraged. http://assetlifesettlements.com.au/?process=views/article.php&articleId=3513 http://assetlifesettlements.com.au/?process=views/article.php&articleId=3513 ELIGIBILITY Policies considered for purchase by Asset Life must meet certain minimum eligibility requirements. The following are typical criteria that are formed in conjunction with the investor: a Life Insurance companies must be a USA domiciled life insurance company whose financial strength, at the time of the life settlement, is rated no less than ldquo;B+rdquo; by Standard amp;nbsp;nbsp;nbsp;nbsp; Poors, at least ldquo;AArdquo; by... http://assetlifesettlements.com.au/?process=views/article.php&articleId=3512 http://assetlifesettlements.com.au/?process=views/article.php&articleId=3512 Distribution networks engaged in life settlements now expand far beyond the traditional life settlement brokerages, and now include broker-dealers, insurance agencies, CPAs and estate planners. Portfolio construction is dependent upon these distribution firms supplying a steady flow of significant volume to ensure that investor portfolio needs are fulfilled efficiently and effectively. With the variety of asset types in the marketplace and... http://assetlifesettlements.com.au/?process=views/article.php&articleId=3511 http://assetlifesettlements.com.au/?process=views/article.php&articleId=3511 A critical facet of the attractiveness of life settlements investment programs pertains to the large volume of assets in the marketplace. The demographic trends of the insurance market will continue to drive the market forward, providing a plethora of benefits to current and potential investors. The demonstrated trends of in force life insurance with the aging population and the increasing awareness of life settlements have fueled market... http://assetlifesettlements.com.au/?process=views/article.php&articleId=3504 http://assetlifesettlements.com.au/?process=views/article.php&articleId=3504 The role and responsibilities of Asset Life and its USA counterparts in the origination process are to: bull; Locate the policies and screen for eligibility; bull; Analyse and negotiate pricing based on the Investorrsquo;s pricing model and the sellerrsquo;s willingness to sell; bull; Verify with the insurance carrier that the policy is in force; bull; Obtain contractual consents and acknowledgment of required disclosures from policy owners...