Impact investing is an approach that seeks to create positive social and environmental impact alongside a financial return.
The option of a life settlement provides an answer to the growing question facing an aging population. Studies show that the number of people over the age of 65 is set to double within the next 25 years and by 2035 more than 1.1 billion people worldwide – 13% of the population – will be above the age of 65. The ability for an insured to sell an unneeded or no longer affordable life insurance policy creates a liquidity event and a previously undiscovered financial benefit to seniors who may be living on a fixed retirement income. Life settlements can provide a partial solution to the aging demographic and changing dependency ratio facing our country.
A life settlement transaction benefits both the seller and the investor by providing an investment opportunity with low-correlation to traditional asset classes and a high credit quality investment that occurs in a regulated market. In its second decade of existence, the life settlements market is gaining acceptance and recognition with the growth of consumer awareness and the broadening horizons of alternative asset investing.