Life Settlements

Life settlements offer a new and exciting investment option. Life settlements are investments in the life insurance policies of US citizens, and returns correspond to developments in the life expectancy of the insured. Professional investors use life settlements to diversify the risk of their investment portfolio.

Psilo Vouno has dedicated two years of research in fully understanding the product. Much of this know-how is made publicly available at www.life-investor.eu. This website provides free and comprehensive information about life settlements specifically for European investors.

Interesting

For many investors, life settlements offer an interesting complement to the existing portfolio for a number of reasons, including:

    * Little or no correlation with share prices, commodities and other economic indicators;
    * Stable and high expected returns between approximately 8% and 10%;
    * Manageable risks at sufficient size and adequate management.

Apart from highlighting the advantages of investments in life settlements, you should also assess the risks, the size and quality of the portfolio of policies and consider the expertise of the management.

Three critical success factors

There is a growing supply of various life settlement products for European investors. This is a very welcome development, since more options means choice and the possibility to compare. The first evaluation of a life settlement product should be focused on:

    * the spread in the life settlement portfolio (preferably 100+ lives)
    * the financing of premiums
    * the quality of due diligence at acquiring policies

These are the three critical success factors of any life settlement product, but there is more to know.

What you need to know about life settlements

Investments in life settlements are being offered in many variances. There are the mutual funds, the portfolio linked bonds or notes, and investment banks have started developing structured products and synthetic portfolios. All these life settlement products may have very different risk/return profiles, however one thing is clear: life settlements require a long term commitment. It is not a liquid investment product and the market is still young and developing. High yield for many years? Maybe yes, but one should carefully examine risks and risk management procedures.

You should consider life settlements essentially as investments with a (very) high risk. We therefore strongly recommend investors to thoroughly research products and assess the expertise of the management.

More information about life settlements can be found at www.life-investor.eu

Investing in life settlements?

Come and talk to us !

In the last few years we have gathered a great deal of expertise and we are happy to share this information with you. In a few months from now we will have composed our own portfolio of high quality life settlement products. We are pleased to discuss with you the options that the current market offers you.

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