Lionheart Captial Advantage

The Lionheart Capital Advantage

Purchasing a Life Settlement should be a Highly Considered Investment. At the same time, expertise and integrity is required to obtain both the best and the safest yield. Acquiring a policy or a pool of policies is not a simple process, as it must be done with expert care, knowledge and conservative business practices.

The LSP industry is becoming increasingly crowded with a wide range of integrity across various operators in the approach to capitalizing on the LSP opportunity. While the fundamentals of an LSP provide a superior ROI relative to the risk, the aggressiveness of certain providers can still add un-necessary cost and risk to the process (ultimately it’s a simple concept that can’t fail, but amazingly enough some folks still manage to screw it up). Some of this is related to the fact that there are now many different types of LSP products that the industry has generated, from “wet” policies that are manufactured recently for financial gain and are contestable for two years, to seasoned polices with aggressive actuarial reports and level, or more often escalating annual premiums, as well as sourced under a wide variety of scenarios, resulting in a wide range of value. A certain percentage of policies are marketed with superior economics and risk-reward ratios, more conservative business practices, and highest standards of documentation. In sum, the quality of the policy is not always reflected in the price that an investor pays.

The team at Lionheart has developed sophisticated analytical technology to evaluate carefully every policy we consider for purchase. The analysis includes: understanding the veracity of the actuarial report on Life Expectancy as these estimates do vary considerably from firm to firm; studying the lifestyle and health record of the insured party, evaluating the “cash accumulation value” (“CAV”) (money in the policy available for paying future premiums); understanding each policy’s premium illustration and projecting the increases and whether the CAV will be sufficient to cover these additional costs and several other factors. In addition, Lionheart has developed several different unique sources of policies not found in the public market, which deliver superior value and integrity.

With Lionheart you will understand exactly what you are investing in and why it makes good business sense.

View the Lionheart Capital PowerPoint Presentation (in PDF) to learn more