Frequently Asked Questions
Everything You Need to Know About Life Settlement Investments with High Yield Vault
Life settlements are one of the most exclusive and resilient asset classes available, yet many investors are just beginning to understand their potential. Below, we answer the most common questions about how our platform works, the benefits of single-policy investments, and how you can secure predictable, non-correlated returns while making a real-world impact.
1. What is a life settlement?
A life settlement is the sale of an existing life insurance policy by a senior policyholder to a third-party investor. The investor pays a lump sum for the policy, assumes responsibility for future premiums, and receives the death benefit upon the insured’s passing.
2. How is High Yield Vault different from other investment platforms?
We specialize in single-policy investments with direct ownership, full transparency, and rigorous due diligence. Each policy is vetted, backed by an A-rated carrier, and curated for predictable, actuarially-backed returns.
3. Who can invest in a life settlement?
High Yield Vault works with qualified private investors, family offices, and institutions who meet our accreditation standards. Each investor receives full access to policy details, projected cash flows, and actuarial analysis before committing.
4. What kind of returns can I expect?
Our curated policies historically deliver 8%–16% annualized IRR, depending on the policy and holding period. Returns are non-correlated to traditional markets, meaning they are largely independent of stock, bond, or real estate performance.
5. How long does it take to realize a return?
Returns are realized upon the insured’s passing. Our actuarial projections provide life expectancy-based timelines, typically ranging from 5 to 10 years, depending on the policy.
6. Are there risks involved?
Yes. Returns may decrease if the insured outlives the projected life expectancy. Ongoing premiums must be maintained to keep the policy in force. Additionally, life settlements are illiquid until maturity or resale, and servicing fees apply after year three.
7. How do I know the policy is secure?
All policies are fully collateralized, backed by A-rated carriers, and confirmed beyond the contestability period. We also provide full medical records (HIPAA-compliant) and actuarial analysis for transparency.
8. Can I invest in multiple policies?
Yes. While our platform focuses on single-policy ownership, investors can build a portfolio by selecting multiple policies to diversify and optimize returns.
9. How quickly can I access investment opportunities?
Policies are hand-selected and often move quickly. Once approved, investors receive direct access to policy details through a secure portal, including projected cash flows and full medical underwriting.
10. What is the social impact of investing in life settlements?
Every policy we curate provides immediate liquidity to seniors, often 4–7 times their cash surrender value, helping fund medical care, retirement, or family support. Your investment generates financial returns while supporting dignity and independence for policyholders.
