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Seven Hills Settlements typically constructs a portfolio of Life Settlement policies and manages that portfolio, employing a proprietary analytical discipline. Selection of the policies are determined by actuarial assessments, medical histories, and life expectancies.

  • Aggregation
    A portfolio approach to the aggregation and management of Life Settlements creates diversification in life expectancies and maturities of the policies that will provide a broader allocation of risk and higher profit potential for an investor.  Within the portfolio, each policy will be analyzed to receive constant consideration in order to assess relative risk, life expectancies, and return characteristics.
  • Qualification Process
    To qualify for inclusion in the portfolio, the life insurance policy must satisfy the following conditions:
    • The policy must be assignable;
    • The policy must have been in force longer than the contestability period (usually, two years), and all applicable suicide clause terms must have expired;
    • The issuing insurance carrier must be rated "A-" or better by Standard & Poor's; and
    • In the case of a group coverage policy, evidence must be presented that the group coverage cannot "evaporate" under any circumstances.  Conversion issues and continuation of coverage concerns must be satisfactorily underwritten, should the group master contract terminate for any reason during the remaining life expectancy period established for the insured applicant.
  • Limitations
    The insurance policy will not be considered acceptable if the policy:
    • Is underwritten by an insurer located or chartered outside of the United States of America;
    • Has lapsed premium payments that render such life insurance policy contestable, or is no longer in force, or if the policy is in its grace period;
    • Is suspected or alleged to have been underwritten on the basis of fraudulent or deceitful information;
    • Has, at the time of its submission for underwriting, a minor named as a beneficiary; Constitutes a policy, that Montage Financial Group believes to be uncollectible.
  • Selectiveness
    Seven Hills Settlements reserves the right to ascertain whether a particular insurance carrier, as well as a specific policy is suitable and qualified, based upon:
    • Insurance industry rating publications;
    • Information that is policy-specific and contained in a "Verification of Coverage" (VOC) document that is prepared by the issuing carrier.
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Statements made on this website are for information purposes only. No statements made on this website constitute, or are intended to constitute, investment advice or an offer to purchase or sell any securities or a solicitation of an offer to purchase any securities, which may only be made pursuant to and in accordance with applicable securities laws and other applicable laws.