History of Life Settlements
Feb 15, 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.
WatchLearn
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.
Watch
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.
WatchLife 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
Featured Media
Videos, articles, and podcasts from across the industry.
Wealth & Risk Podcast: Life Settlement Deep Dive
Jan 28, 2026Podcast
Industry veterans explain the mechanics of life settlement transactions and the regulatory landscape.
Listen
The Investor Mindset Podcast: Ep. 42
Jan 8, 2026Podcast
A deep dive into how life settlement returns are modeled and what investors should look for before committing capital.
Listen
Life Settlements: The $200 Billion Opportunity
Dec 10, 2025Video
Industry experts discuss the growing institutional demand for life settlement assets and where the market is headed.
Watch
Forbes: Why Alternative Assets Are Surging
Nov 22, 2025Article
Forbes examines the shift toward alternative investments and how life settlements fit into a modern portfolio.
Read
Understanding Life Expectancy Reports
Oct 5, 2025Video
How medical underwriting and life expectancy estimates drive policy valuations in the secondary market.
Watch
Barron's: The Case for Non-Correlated Returns
Sep 18, 2025Article
Barron's breaks down why institutional investors are allocating to non-correlated assets like life settlements.
ReadBook Your Free Strategy Call!
We will walk through suitability, risk, and how a life settlement fits your portfolio.