Life Settlement Investments
At American Financial and Retirement Services, we offer a unique investment opportunity in life settlements. Life settlements involve purchasing life insurance policies from individuals who no longer wish to maintain them, providing them with a lump sum payment in exchange for the policy. Here’ss what you need to know about our investment offerings.
*Investors must be accredited, meaning they have an annual income of $200,000 or a net worth of at least one million dollars, excluding their primary residence. Investors should be prepared to commit funds for an extended period, as life settlements typically require patience for optimal returns.
The life settlement investment offering has not been registered with the U.S. Securities and Exchange Commission or any state securities administrator and no regulatory authority has reviewed or passed on it.
Key Features:
1. Eligibility Criteria: We do not purchase life settlements involving insureds over the age of 76. This ensures that investments are made in policies with a higher likelihood of returning favorable yields within the specified time frame.
2. Short-Term Policies: Our investments are focused on short-term policies, with anticipated durations no longer than 36 months. This allows for quicker turnover and potential returns for our investors. We only buy stage four cancer policies. Since there may be more competition for short-term policies which may bid up prices, we may have lower returns than other acquiring policies from other life settlement industry segments.
3. Risks: While life settlements offer attractive returns, it’s essential to understand the associated risks. There is a possibility that the insured individual may outlive their life expectancy, delaying the maturity of the investment. Additionally, investments in life settlements are not liquid until maturity.
4. Fractional Investment: Investors participate in a fractional ownership model, spreading the risk across multiple policies for greater diversification.
5. Tax Benefits: Since investments are made in life insurance policies, there are typically no taxes on investment returns, providing a potential tax advantage for investors.
6. Trustee Handling: All transactions are handled by our trusted partner, Nevada Trust, ensuring secure and transparent dealings. All accounts are handled by Nevada Trust. Nevada Trust is a trust company licensed with the State of Nevada.
7. Maturity Process: Upon maturity of the policy, the trustee sends the death certificate to the carrier. The trustee deposits the funds in the investors accounts at Nevada Trust.
8. Track Record: We are proud to have returned over $200,000,000 to our investors, showcasing our commitment to delivering value and results.
9. Accreditation and Rating: American Financial and Retirement Services is a BBB-accredited business with an A+ rating, demonstrating our commitment to integrity and excellence.
Investor Requirements:
– Accredited Status: Investors must be accredited, meaning they have an annual income of $200,000 or a net worth of at least one million dollars, excluding their primary residence.
– Commitment: Investors should be prepared to commit funds for an extended period, as life settlements typically require patience for optimal returns.
Investment Benefits:
– Higher Returns: Life settlements offer the potential for higher returns compared to traditional investment avenues, but also can carry higher risks.
– Diversification: Investing in life settlements provides an opportunity for diversification within your investment portfolio. The primary risks of life settlements relate to the extension risk tied to the insured’s lifespan. Such risks are uncorrelated to securities market movements.
If you’re ready to explore the potential of life settlement investments with American Financial and Retirement Services, please reach out to our team to get started. Invest with confidence and reap the rewards of a dynamic and lucrative investment opportunity.
