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Longevity Shortfall Insurance

Longevity Shortfall Tail Insurance for life settlement portfolios

Insured Returns in Longevity Linked Securities

Trident's Longevity Shortfall Insurance offers certainty of a base line rate of return and unlocks investor's trapped collateral  through guaranteed liquidity at maturity.  In pensions we assure the continued payment of benefits through the life of the pensioner. 

#Longevityshortfall

Certainty of Return and Liquidity in Life Settlements

Longevity Shortfall insurance elevates the investment in life settlements to a credit enhanced, fixed-term transaction  We sent a designated investment term that  will the net death benefit on non-monetized life policies .  We will agree, to insure a portfolio before you acquire life settlement policies. Our insurance cover provides an enhanced credit rating of "A-" on to the portfolio transaction. 

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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. 

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. 

Self-Insured Deductible Plans

We will insure your portfolio. At maturity those policies that have not monetized will be covered under our insurance. You will take a first layer of loss and we will take the excess layer. We will become excess of any percentage you feel is reasonable. We will price the cover accordingly. 

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. 

Trident Global Strategies - History

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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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