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June 07, 2009 at 08:00 PM
The question was: Is any type of life insurance policy open for possible settlement, whether it is universal, variable, indexed, whole, term, group, voluntary, employer-owned, premium-financed, small-faced, large-faced, etc.?
The answer is: “Theoretically, the economics of any contract can be reduced to a monetary value, including insurance contracts.
“But the reality is that the terms of some contracts can be excessively complex or insufficiently manageable, resulting in a structure that is not conducive to efficient investment.
“Investment in life settlements requires a contract that can be controlled by the investor within its risk tolerances. Some investors want to keep it simple, while some may accept complexities in exchange for higher returns.
