Investing in life settlements is not as simple as just purchasing a life insurance policy and then waiting to collect the death benefits. It involves actively tracking the health status, calculating and validating the minimum premiums to be paid on the policy, and verifying that the insurance carrier received those premiums. Colva focuses on the premium optimization and validation part of the process
Our advanced actuarial and servicing expertise in this area allow us to provide our clients with premier life settlement services such as:
- Premium minimization services that utilize shadow account and loan features to minimize the payments required to keep a policy in force. Unlike other servicers, we’ll provide you with an illustration from the carrier that proves our reverse engineered premiums are accurate.
- Yearly confirmation of future premium cashflows via carrier illustrations and an actuarial analysis of the policy’s future value and risk characteristics at that time.