Welcome to the Blackhawk Wealth Solutions website for investing in Life Settlements. This site was created to present a dynamic, yet conservative, investment opportunity which has a historic return of 15.83%, as explained in detail inside.
Education Awaits You
While the perusal of this website and the links to those areas of interest may take a few minutes of time, be assured that it will be time well spent, with possible rewards previously unknown to most of the population. Just follow the instructions and read the reports, to open new doors and provide new insight to a powerful new financial strategy.
The Things to Come
Exploring this dynamic new investment vehicle, which puts the individual investor on an equal footing with institutional investors, in an arena which has traditionally produced these returns, are some of the areas we will address.
Accredited Investors Allowed
This website Is intended ONLY for preview by Accredited Investors and viewing and participating in this website, represents that an individual would be classified as an Accredited Investor, as that term is defined by the State of California.
Participants must NOT construe the contents of this website or any prior or subsequent communication from the company, agents or affiliates, or any other person associated with this website, as legal, financial, tax or investment advice. Each participant should consult his or her own personal legal counsel, business or tax advisor, as to legal, tax) financial and related matters concerning the matters described in this website.
Life Settlements are a unique Investment opportunity with a distinct and yet minimal, set of
risk factors which are not directly correlated to the risks associated with the stock and bond
markets, interest rates, acts of terror, or business cycles like many other
investments.
Accordingly, Life Settlements offer the opportunity for the individual accredited investor to diversify their holdings with a non-market correlated asset that offers the potential for (but not a guarantee of) an excellent return on investment.
A sophisticated Individual investor should realize the unique diversification opportunity that Life Settlements present as a part of a balanced investment portfolio.
Life Settlement History
Although the secondary market for life insurance is relatively new, the market was more than 100 years in the making. The life settlement market would not have originated without a number of events, judicial rulings, and key individuals.
The Policy as Transferable Property
The Supreme Court case of Grigsby v. Russell (1911) established the policyowner's right to transfer an insurance policy. Justice Oliver Wendell Holmes noted in his opinion that life insurance possessed all the ordinary characteristics of property, and therefore represented an asset that a policyowner could transfer without limitation. Wrote Holmes, "Life insurance has become in our days one of the best recognized forms of investment and self-compelled saving."
This opinion placed the ownership rights in a life insurance policy on the same legal footing as more traditional investment property such as stocks and bonds, As with these other types of property, a life insurance policy could be transferred to another person at the discretion of the policyowner.
This decision established a life insurance policy as transferable property that contains specific legal rights, including the right to:
- - Name the policy beneficiary
- - Change the beneficiary designation (unless subject to restrictions)
- - Assign the policy as collateral for a loan
- - Borrow against the policy
- - Sell the policy to another party
A second milestone occurred in 2001 when The National Association of Insurance Commissioners (NAIC) took a crucial step by releasing the Viatical Settlements Model Act defining guidelines for avoiding fraud and ensuring sound business practices.
Around this time, many of the life settlement providers that are prominent today began purchasing policies for their investment portfolio using institutional capital. The arrival of well-funded corporate entities transformed the settlement concept into a regulated wealth management tool for high-net-worth policyowners who no longer needed a given policy.
Strong demand for life settlements policies is driving a rapid market expansion that continues today.
Gaining attention on "Wall Street"
Generally speaking, life settlements are an option for high-net-worth policyowners age 65 or older. Independent estimates report that among this group, 20% of policies have a market value that exceeds the cash value offered by the carrier.
And while many policyowners are unfamiliar with life settlements until a financial professional mentions the option to them, the concept has gained attention from high-profile proponents such as Warren Buffett, former U.S. Representative Bill Gradison, and numerous media sources including The Wall Street Journal, Time Magazine, Business Week and The Economist.
A growing number of experts now believe that informing clients about offering life settlements and investing in life settlements should fall under the fiduciary duty of a financial advisor and life settlement expert. Like any investment, Life Settlements are not suited for all investors and may not be the perfect investment for everyone.
Investing in Life Settlements Consultation
If you would like more information on Investing in Life Settlements, please contact us:
Blackhawk Wealth Solutions
858-764-4415
info@blackhawwealth.com