For Investors · Leverage Structures Life settlement premium financing 2026: levered IRR math and the anti-STOLI distinction. Most life settlement content treats premium funding as a cash flow line item. This article walks accredited investors through premium financing as a leverage structure — levered versus unlevered IRR math, lender terms, and the critical distinction from […]
For Investors · Pre-Acquisition Diligence Life settlement due diligence checklist 2026: 30 items across 6 categories before you commit capital. Most due diligence checklists are generic to PE or VC investing. This article publishes the specific 30-item operational checklist accredited investors and their advisors apply to every life settlement direct-ownership acquisition. By John Sandoval Role […]
Market Insights · 2026 Outlook Life settlement market size 2026: $4.6B annual volume against a $224B addressable supply. Most market size articles cite headline statistics without context. This article walks accredited investors through the Conning 20th annual study data, the 2.25% penetration rate, the demographic and macro growth drivers, and what the 10-year forecast means […]
For Investors · Portfolio Construction Life settlement portfolio construction 2026: a capital-tier diversification framework for accredited investors. Most life settlement diversification content repeats the same advice — spread across ages, carriers, conditions — without numbers. This article executes the math: how many policies, what carrier limits, which LE band ladder, and how to size by […]
For Investors · Operational Mechanics Life settlement premium servicing: the operational lifecycle accredited investors should understand. Most articles discuss life settlement returns and structure but skip the operational mechanics that determine whether returns are actually realized. This one walks the 60-month lifecycle from acquisition through maturity — premium optimization, mortality tracking, claim filing, and the […]
For Investors · Market Structure Life settlement vs viatical settlement: why institutional investors operate in one and not the other. Most articles compare these two products from the seller’s perspective. This one explains why institutional capital migrated from viaticals to senior life settlements after the 1996 protease-inhibitor collapse and the Mutual Benefits Corp fraud — […]
For Investors · Fixed Income Alternatives Life settlement vs bonds: a mechanical comparison for accredited investors. Most articles compare life settlements to bonds in qualitative terms — “bond-like stability with equity-like returns.” This one runs the numbers: $500K through both at matched duration, tracking actual cash flows, risk substitution, and net outcome under realistic scenarios. […]
For Investors · Diligence Deep-Dive Life settlement underwriting process: how investors should read the life expectancy report. Most underwriting articles describe the process from the underwriter’s perspective. This one walks accredited investors through how to read, interpret, and evaluate the LE report — the foundational document of every life settlement investment thesis. By John Sandoval […]
For Investors · Diversification Strategy Non-correlated assets for accredited investors: which pass the structural filter and which don’t. Most assets called non-correlated fail when it actually matters — during stress periods. A 3-test structural filter applied to the universe of accredited investor diversifiers, exposing the pretenders and validating the genuine. By John Sandoval Role Portfolio […]
For Investors · Family Office Strategy Family office alternative investments: the genuinely uncorrelated categories most allocations miss. Family offices now allocate 35-45% of portfolios to alternatives — but most of that exposure is correlated to public equity through PE, real estate, hedge funds, and VC. An analytical look at what’s actually uncorrelated and where the […]
