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Longevity Shortfall

Maximize Internal Rate of Return in Life Settlement Portfolios, and Pension Strategies

Longevity Shortfall Insurance

Longevity Shortfall Tail Insurance for life settlement portfolios

Insured Protection on Longevity Linked Securities

Trident's Longevity Shortfall Insurance takes on the risk of an insured living beyond what is expected by actuaries and medical underwriters. In a portfolio of Life Settlements we assure liquidity at maturity by paying the active  life policy's death benefit at a specific future date. In pensions we assure the continued payment of benefits through the life of the pensioner. 

#Longevityshortfall

Effectively Manage Risk in Life Settlements

Longevity Shortfall elevates an investment in life settlements to a higher quality fixed-term transaction with a credit rated insurance company as the liquidity provider to pay the net death benefit on non-monetized life policies .  We will agree, even before you acquire life settlement policies, that at future date we will  pay an amount equal to the life policy net death benefit if a life insurance policy has not matured.  Our insurance cover provides an enhanced credit rating of "A-" or better issued by Kroll Insurance Rating Service.  Longevity Shortfall contractually mitigates the Longevity exposure in Life Settlement portfolio at a future date certain. 

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Improving Outcomes in Pensions

Similar to life settlements,  a defined benefit pension has an unknown liability  because the pensioners are living longer than what was actuarial calculated.  Our participation provides key liquidity to overcome the financial impact of pensions assets not meeting the obligations of the employer. 

Policy Structuring

Insurance Contract

 Our Longevity Shortfall policy offers flexible limits of cover, that include self insured deductibles, and deductibles as a percentage of the presented claims. 

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. 

Trident Global Strategies - History

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2011

Trident Risk Strategies LLC forms as a Insurance Brokering and Risk Management Consultative practice

2013

Expanded from commercial specialty insurance Brokering to Structuring Agent to include Insurance Linked Security structures and collateralize reinsurance 

2014

Formalized the first rated insurer backed,  Longevity Contingent and Mortality Rated Risk as a new market opportunity

2016

 Formalized the insurance program "Longevity Shortfall" to take Longevity risk inherent in portfolios of Life Settlements. 

History

Longevity Insurance

2019

Longevity Insurance for life settlements is backed by U.S. based Insurers as a IRS 935(d) exempt company to reflect our ability to structure and manage longevity risk on behalf of investors around the globe. 

 

 

 

 

Jeff J. Post - Managing Underwriter

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