A life settlement consulting firm built for clarity.
High Yield Vault is a life settlement consulting firm based in Irvine, California. We specialize in selling individual life insurance policies in the tertiary market, helping investors enter an exciting non-correlated market with stocks, bonds, real estate, and geo political changes.
A direct answer, in one paragraph.
High Yield Vault is a life settlement consulting firm based in Irvine, California, operating exclusively in the tertiary market. Our role is to evaluate life insurance policies and educate sellers and investors on the market. We serve three distinct audiences — policyholders considering a life settlement, investors seeking to acquire policies as part of their portfolio, and financial professionals looking for a trusted referral partner. High Yield Vault does not buy or sell policies; the transaction happens directly between the policyholder and the qualified party, under applicable U.S. state regulatory frameworks for life settlement consulting.
Built on an older asset class, with a modern approach.
Life settlements are not new. The tertiary market for life insurance policies has existed in the United States for more than three decades, evolving into a regulated, institutional-grade asset class worth billions of dollars annually. Yet for most sellers and investors, the market remains opaque — filled with intermediaries, inconsistent practices, and limited price discovery on either side of the transaction.
High Yield Vault was built around a simple premise: this market deserves a firm that represents both sides honestly. We focus exclusively on the tertiary market — a consulting model built on full transparency, proper documentation, and fair market valuation. We don't buy or sell policies ourselves — the actual purchase happens directly between the seller and the investor; our role is to guide both parties through the process.
From our office in Irvine, California, we work with clients across all 50 U.S. states. Policyholders call us when they're weighing whether to surrender, lapse, or sell their policy. Investors engage us to source individually researched life settlement opportunities with full documentation. Financial advisors partner with us when they want a referral channel they can trust for senior clients.
Specialists assigned to the right audience.
High Yield Vault operates with dedicated specialists for each of the three audiences we serve. When you reach out, you'll work directly with the specialist matched to your specific situation.
John Sandoval
Senior Policy Specialist
Serves: policyholders considering a saleJohn has spent over a decade helping policyholders understand their options and navigate the life settlement process. He personally reviews every evaluation, explains offers from investors in plain language, and welcomes family participation in every conversation.
Jesse Ross
Private Wealth Advisor
Serves: investors acquiring policiesJesse works with investors looking to acquire life settlement policies as part of their investment portfolio. He guides them through opportunity review, due diligence, structure, and ongoing servicing — with emphasis on full documentation and transparent pricing for every policy acquired.
Henry Silva
Channel Partner Manager
Serves: financial advisors and referral partnersHenry leads the Advisor Partner Program, working directly with annuity agents, financial planners, life insurance agents, and CPAs. He coordinates referrals end-to-end, manages the Channel Partner Agreement process, and provides marketing and training support.
Life settlements: a 30-year-old market.
The life settlement market has existed in the United States for more than three decades. The tertiary market for life insurance emerged in the 1980s, expanded through the 1990s, and has been regulated at the state level in most U.S. jurisdictions since the early 2000s.
Today, life settlements are recognized by institutional investors — including pension funds, sovereign wealth funds, and endowments — as a legitimate alternative asset class with returns that are contractually derived rather than market-correlated.
HYV brings a consulting-firm model focused exclusively on the tertiary market — one designed around client clarity, process transparency, and alignment of incentives. The asset class is mature; our firm is focused on making it accessible and understandable.
Three paths, one team.
Choose the path that matches your situation, and you'll be connected with the specialist who handles your audience.
Sell a life insurance policy
If you have been diagnosed with a terminal illness and no longer need your policy, a life settlement may deliver significantly more than the cash surrender value. Free consultation with John Sandoval.
Explore SellingAcquire life settlement policies
For investors seeking to acquire life insurance policies as part of their investment portfolio. Browse individually researched opportunities with full documentation. Discovery call with Jesse Ross.
Explore InvestingRefer a client
For annuity agents, financial planners, life insurance agents, and CPAs looking for a trusted referral partner. Partner onboarding with Henry Silva.
Explore Partnering