Life Settlement Fractionals 101 - Why They Make Such Great Recession Proof Investments Columbus OH

Statistically, about 90% of life insurance policies never pay a death benefit because they are allowed to lapse by the owner. When that happens, the insured loses all the money they've invested in the premiums and any beneficiaries obviously receive nothing. The only alternative for the insured was to take a very small cash surrender value, many times just pennies on the dollar of the original investment.

Similar in nature to zero-coupon bonds, life settlement policies are purchased at a discount to their face value. The investment yield is derived from the difference between what the cost basis of the purchase price was and the amount paid out under the policy upon the death of the insured. Life settlement policies are issued by very time tested and respected institutions and investors enjoy the same regulatory protection available to all life insurance policies. Remember, even during the Great Depression, life insurance companies STILL paid off on their policies.

Besides being immune from fluctuations in the stock and bond market, interest rates, and business cycles, comparing the yields from life settlements to other types of investments clearly illustrate that these investments provide for exceptional returns on investment in a low risk environment. Again, life settlements are not subject to any stock market or economic condition... period!

Investors no longer have to accept great risk to both their principle and returns to achieve exceptional gains. Because the key factor affecting the return on life settlements is time (rather than economic conditions), excellent returns are possible without significant risk to investment capital.

Investing in life settlements provides safety, security, performance, diversification, in a mainstream investment pl...

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