Life Settlements 101
Jan 15, 2026Education
An introduction to life settlements, how they work, who is involved, and why investors are paying attention to this asset class.
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Learn Before You Invest.
Smart investors don't guess. They understand.
Why You Should Invest
Feb 1, 2026Education
Explore the investment case for life settlements, including non-correlated returns, predictable cash flows, and portfolio diversification benefits.
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History of Life Settlements
Feb 12, 2026Education
Trace the origins of life settlements from the 1911 Supreme Court ruling to today, and understand how the secondary market for life insurance evolved into a regulated asset class.
ReadLife Expectancy Calculator
Explore statistical life expectancy by age, sex, and state for educational reference.
Estimate Life Expectancy
How It’s Calculated
This calculator uses the Social Security Administration’s 2022 Period Life Table, which provides the average remaining years of life at each age based on current national mortality rates. A state adjustment factor derived from CDC data accounts for geographic variation in health outcomes, healthcare access, and lifestyle factors. Period life tables reflect mortality conditions at a single point in time and apply those rates to a hypothetical cohort. They do not predict future improvements in medicine or public health.
Impact on Returns
In life settlements, life expectancy directly affects policy pricing and investor returns. A shorter estimated LE typically means fewer premium payments before maturity and an earlier payout, which generally increases annualized ROI. Conversely, a longer LE means a longer hold period with more premium obligations, reducing the effective return. Understanding statistical LE helps investors evaluate expected hold duration, cash flow timing, and how a specific policy fits within their portfolio.
Why It Matters
Life expectancy is the single most important variable in life settlement valuation. It drives the discount rate applied to the policy’s face value, determines pricing, and shapes expected returns. Professional LE underwriting relies on detailed medical records and actuarial models far more granular than population averages, but understanding the statistical baseline helps investors contextualize policy offers, set realistic return expectations, and make more informed decisions about which policies to pursue.
Data sources: SSA 2022 Period Life Table • CDC NVSR Vol. 74, No. 12
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