We are open:
Monday to Friday - 9:00 AM to 5:00 PM
Invest in Life Settlements Today!
Life Settlements Provide Excellent Return Potential with No Stock Market Risk
Life Settlements Provide Excellent Return
Potential with No Stock Market Risk
Watch Video Above to Learn How
Schedule a Free Consultation To Find Out If You Qualify Today
What Are Life Settlements?
A life settlement is the purchase of an existing life insurance policy, by a third-party investor, for more than the cash surrender value of the policy, but less than the death benefit (face value). Originally designed for institutional and corporate investors, the life settlement market is now available to financially qualified California individual investors. Life settlements have essentially no correlation to stock or financial markets, oil prices, geopolitical events, or other traditional investments. Investing in life settlements can offer excellent return potential and sorely needed diversification to your investment portfolio, especially in these uncertain times.
Life settlements have essentially no correlation to stock or financial markets, oil prices, geopolitical events, or other traditional investments. Investing in life settlements can offer outstanding return potential while reducing overall risk in a portfolio.
Cash Surrender Value vs. Secondary Market
Until recently, the only option a policy owner had was to surrender their policy back to the insurance company. With the advent of life settlements, an insured can now sell their policy on the secondary market for an amount much greater than its cash surrender value.
Over the last decade, life settlements have permitted seniors to sell their unneeded or unwanted policies at significantly better market values than they would have received by simply surrendering the policy. In today’s world, where many seniors have lost significant portions of their retirement assets and income, selling their policy for substantially more than its cash value can make a tremendous difference in their lives. As an investor in this asset class, you are in fact helping seniors maintain their quality of life.
Are You Playing Checkers With Your Investment
Portfolio When You Should Be Playing Chess?
Speak with us today
Or
Or
Why Choose Us
Desirable Policies
Policy selection and acquisition is key. That is why many millions of dollars of life insurance policies are reviewed before any are acquired and offered up for investment. A rigorous methodology and adherence to strict criteria are employed, such that only those policies determined to represent good opportunities for our investors are selected.
Life Expectancy (LE) Reports
One of the most important elements to life settlement investing is the life expectancy estimation. All life expectancy estimate reports are performed by a third-party underwriting laboratory who is licensed to provide these calculations and analyses, and this information is disclosed to you prior to any investment.
Experienced Professional Advisor
We have been helping clients with their wealth and helping financial advisors grow and improve their practices for more than 20 years. You will find us to be knowledgeable and responsive as we treat every client like they are our only client. The motto of Alternative Strategies is: 'Take care of the client's needs in everything we do, and the rest will take care of itself.'
Independent Escrow & Trust
Investor funds are securely held in the Subscription Escrow Account administered by a large, experienced 3rd party bank. The Trustee manages the premium and escrow accounts and has sole signatory authority. When the life insurance policy matures, the independent trust established on the investors’ behalf is the sole named beneficiary of the death benefit. 100% of all maturity proceeds are paid directly to the investor(s) via the independent trust.
If You Want Different Results, Make Different Choices
Employ Alternative Strategies Today!
Or
Or
Strong Returns Through Bull Markets, and Bears...
Life Settlement Performance
During 2008 Crisis
The AAP Life Settlement Index has been used to track the performance of funds implementing an investment strategy in U.S. life insurance policies (“life settlements”) and serves as a transparent benchmark for the overall life settlement market.
During the most recent economic crisis, life settlements performed well against other indices, including the S&P 500 equity index, Credit Suisse’s Hedge Fund and U.S. Bonds. With essentially no correlation to other markets, life settlements can act as a defensive strategy to reduce the overall volatility of an investor’s portfolio.
Perhaps this is why institutional investors have invested billions into life settlements. Investors purchasing their sample of life settlements could have expected to earn an average cost-weighted internal rate of return of 12.5% per year!
During the most recent 11-year historic bull market, the AAP Life Settlement Index also confirmed life settlement’s resilience and continued relevance during boom times.
In fact, the AAP Life Settlement Index showed that life settlements outperformed the S&P 500 during the majority of this period.
Life Settlement Performance During
The Most Recent Bull Market
Make Your Money Work Harder
Speak with us today
Or
Or
What Our Investors Say About Us
“Brian at Alternative Strategies helped me to understand life settlement investments and explained that some policies would probably go ‘long’ and some would probably go ‘short’ and so far over the last handful of years that has been the case. While some policies have yielded just single-digit annual returns, my most recent maturity returned a 25% annual return over the last four years, which has helped bring my average up nicely.”
– Charles, La Jolla, CA
“You won’t find a more conscientious and thorough financial professional than Brian at Alternative Strategies Insurance Solutions. He answered all my questions and shared so much information and detail with me such that I felt confident I understood what I was investing in, and how it all worked. It is a longer-term investment, but I really like knowing some of my money is disconnected from the stock and real estate markets given everything going on these days.”
– David, Roseville, CA
“Mr. Clark of Alternative Strategies Insurance Solutions is experienced, knowledgeable and most importantly, I believe honest. I have found in my dealings with him that he truly strives to make sure the investors he works with know the benefits and risks of what they are investing in and I feel he wants to always make sure investments, like life settlements, are well understood by his clients before they invest. The diversification he helped bring to my portfolio has given me peace of mind no matter what the stock market is doing or what’s in the news.”
William, San Diego, CA
Frequently Asked Questions
Q. What is the minimum allowed investment?
Our minimum investment is $10,000 for cash investments and $25,000 for retirement accounts such as an IRA (Traditional, SEP, Roth) and 401K, 403B, etc. Our office can help facilitate the transfer/rollover process.
Q. When a policy matures, what happens?
Once the policy matures, the Trustee will file the appropriate claim with the highly-rated insurance company. The investor, who owns the beneficial interest in the policy, will receive their proportional, pre-determined share of the policy proceeds.
Q. What is your typical annual rate of return?
Each investment can vary, but most investments target a 12% average annual return. This is a medium to long-term investment. Read and understand all related investment documents before investing, including related risks, such as liquidity and longevity risks, etc.
Q. Am I eligible to invest with Alternative Strategies Insurance Solutions?
We comply with California State Law which requires CA resident investors to have a net worth of at least $250,000 (not counting your home, cars and home furnishings). If you qualify, and life settlement investing is appropriate for you, then we can offer you a unique opportunity to help get you to and through retirement.
Q. If I pass away before the investment pays out, do my heirs still get paid?
Yes. Your life settlement investment would pass to your heirs like any other asset you may currently own.
*We do not provide tax or legal advice. Seek advice from your own financial, legal and tax advisors. Any and all guarantees are subject to the claims-paying abilities of the underlying insurance company.
CA Life License #0D02647
- info@alternativestrategiesinvesting.com
2020 © Copyright. Alternative Strategies Insurance Solutions. All Rights Reserved.
2020 © Copyright. Alternative Strategies Insurance Solutions. All Rights Reserved.