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Longevity Insurance and other life contingent Risk Transfer Strategies

transferring longevity risk from time metered total return and collateral investment strategies 

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The Risk in Life contingent Investing

Longevity risk is volatile and the "X" factor when recognizing gains in life settlement investing. Trident can structure insurance to remove that volatility, assure a timely exit, and recognize a gain by providing liquidity to fund unmatured life policies .  

Portfolio Risk Management, Insurance, and Compliance

Enterprise Risk and Compliance Services

Private Placement Longevity Shortfall Insurance - Indemnity Risk

Private Placement is a turnkey insurance structure that will fund finite tail risk. It is efficient, economical, and flexible. Investors are protected though a licensed insurer that will pass underwriting profit back to the Sponsor.  

Portfolio Risk Insurance with a Credit Rating

Transferring longevity tail risk of a portfolio insures the total longevity tail risk of a portfolio. That risk may be transferred in total to insurance companies. Using the Trident structure and defined underwriting guidelines allows us to transfer the risk to credit rated insurance companies. 

Underwriting can be flexible or determined

Setting up the underwriting of a PPLSI finite transfer allows flexibility to suit your goals and objectives. We work with you to create that formula. Portfolio risk transfers are a static underwriting formula. We identify that and work within the guidelines 

Consultative Services

We provide portfolio risk assessment through modeling and life expectancy conversion to provide insights that allow the insured to determine how much insurance is necessary to protect the investors.    

Feasibility and Underwriting Tail Risk

The sophisticated insured can access alternatives insurance coverage on either a finite or portfolio basis. Trident provides feasibility and underwriting expertise on a portfolio by portfolio basis. Let us share how to take tail risk off you books and assure liquidity for unmatured policies at a future date. 

Longevity Shortfall Insurance

Longevity Shortfall Tail Insurance for life settlement portfolios

Life Contingent Investing has Longevity Risk

Trident's Longevity Shortfall Insurance provides insured liquidity at a maturity date to pay the difference between the market value and the stated benefit within the life contingent investment. 

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Certainty of Return and Liquidity in Life Settlements

Longevity Shortfall insurance elevates the investment in life settlements to an insured, fixed-term transaction   

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Securing Recognized Gains

Our participation provides key liquidity to overcome the financial impact of of insured living longer. 

Insurance Risk Structuring

Insurance Contract

 Our Longevity Shortfall policy offers flexible limits of cover, that include first dollar coverage with coinsurance options 

Underwriting an Existing Portfolio

If you have an existing portfolio that investors have a desire to put certainty on the returns, we have an option. For a set fee we will underwrite the life policies that qualify to our guidelines and develop a price for us to cover the portfolio until maturity. If you accept the price the fee will be credited. If you think the price isn't in you budget you don't have to insure it. 

Finite vs Portfolio Risk

Longevity Tail Risk is variable based on each life insured's underwriting profile. The risk to investors is if that profile is accurate or has there been medical advancements that have changed the profile. Tail risk is a range of risk.  If you choose to insure to a finite insurance level to fund or total portfolio risk PPLSI can accomplish that as a licensed insurer and if needed with a credit rating. 

Deductible at Claim

If your investors want to know upfront and have certainty of the minimum rate of return of each policy that remain at maturity we provide a cover that will pay each policy to a percentage of the net death benefit. We will pay up to 90% of the net death benefit of each remaining policy.  

Bespoke Insurance Structures

We have a deep knowledge base to customize longevity risk, pension de-risking, and private captive insurance placements to accommodate many needs. 

Claim Liquidity

Our process is transparent and efficient. Any dispute is adjudicated under U.S. law. 

Risk Modeling

Our modelling service provides both a deterministic and stochastic analysis of a portfolio. We provide consultative services that will deliver insights to enhance returns 

Established in 2011

Longevity Insurance

Mission Statement

  

To collaborate and find the most effective insurance structure that demonstrates insight and knowledge to achieve excellent value and effectiveness for our clients

Operating Statement

  

We value the individual and learn from each person we work with.

Business Strategy Statement

 The Company leverages its unique ability to design and develop customized and simple insurance programs, underwriting models, and servicing strategies that will add value to the risk transfer transaction and increase our value to our insured. 

 

 

 

Jeff J. Post, ACI, CEBS - President

Email us for more information or request a call

Phone

 (310) 730-1622