Our Services
Life Settlements as an Investment
A life settlement involves selling a life insurance policy on the open market for a value higher than the surrender value but less than the full benefit value. It stands as one of the most consumer-friendly alternatives to lapsing or surrendering a policy. For investors, life settlements offer the potential for low-risk, high-return investments with minimal market correlation.
Secondly, life settlements offer stable returns once the policyholder passes away, guaranteeing a predictable settlement. Moreover, most investors consider life settlements socially responsible investments, providing liquidity to policyholders for medical expenses or other financial needs.
Attractive Expected Yields
Life settlements present the possibility of substantial returns when compared to investment-grade fixed income assets.
Robust Credit Standing
Insurance carriers generally uphold an investment-grade credit status, and policies retain a senior obligation.
Expanding Well-Regulated Sector
The life settlements market has experienced substantial growth, with estimated policy benefits ranging from $300 to over $600 billion.
Limited Sensitivity to Market Changes
Historically, life settlements have exhibited lower susceptibility to economic and financial market fluctuations than alternative investments.
Our Process
Our Life Settlement Valuation Process Entails
- Actuarial analysis
- Cost of insurance
- Mortality tables
- Policy structure
- Life settlement risk premiums
Why choose Black Bull Financial
We Source Inventory
Our office has thousands of inbound life settlement cases each month. A huge part of our process is underwriting each policy to determine its value to an investor.
We Manage Portfolios
With our years of experience, we are able to optimize policies and create structured funds to produce healthy returns for investors.
We Educate Investors
To be involved you must be educated. All investors are welcome to schedule a video call with our office to learn about the industry prior to investing.
Institutional Investors
Institutional investors, like pension funds, benefit from stable, long-term returns with life settlements. They offer diversification and hedge against market volatility.
Family Offices
Retail Investors
Retail investors diversify beyond stocks and bonds with life settlements, gaining stable returns and a predictable income stream. Their long-term nature aligns well with retirement planning.
Private Funds
Individuals diversify their portfolio with life settlements, enjoying steady returns and potential inflation hedging. Accessible with small investments, they offer resilience and balance.