High Yield Vault presents Life Policy TM0112 — a rare opportunity to invest in a high-quality, non-correlated life settlement backed by a fully collateralized U.S. life insurance policy issued by an A+ rated carrier. This second-to-die Universal Life policy carries a projected death benefit of $1,000,000 with a total base-case investment of $466,097 over an actuarial life expectancy of 5.2 years, delivering a strong 22% annualized ROI and a 2.15× equity multiple.
The insureds—female (non-smoker, age 82) and male (age 91)—have multiple documented medical conditions, including hypertension, hyperlipidemia, ventricular arrhythmias, peripheral venous insufficiency, osteopenia, and chronic anemia. These factors support actuarial assumptions and the projected life expectancy, creating a data-driven foundation for predictable returns.
Investors hold direct title and ownership, ensuring transparency, control, and security. As a non-correlated asset class, this policy provides an alternative to traditional markets, offering portfolio diversification and long-term wealth preservation. Historical returns demonstrate consistent performance, from 93.9% over 2 years to 8% over 8 years, highlighting its resilience and growth potential.
Designed for discerning, growth-oriented investors, High Yield Vault’s TM0112 offers exclusive access to a secure, high-performing, and non-market correlated investment, combining predictable returns with the prestige and control of direct ownership.
Policy Overview
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Highlights
Strong Base-Case Return: 22% Annual ROI at 5.2-year LE, 2.15× equity multiple
Collateralized by U.S. life insurance policy issued by A+ rated carrier.
Investor holds direct title and ownership of the policy.
Non-correlated asset class.
Risks & Considerations
Longevity Risk: Returns decline if insured lives beyond APS.
Premium Continuity: Required to maintain policy in force.
Illiquidity: Investment is illiquid until maturity or resale.
Servicing Fees: Ongoing costs for policy servicing after year 3.
- Preparing For Your Future
Achieving Your Vision
Building a strong investment strategy is essential to long-term capital growth and protection. At High Yield Vault, we work closely with investors to identify their objectives and construct tailored life settlement investment strategies designed to deliver stable, non-correlated returns. Through disciplined due diligence, transparent structures, and institutional-grade execution, we help investors deploy capital with confidence while reducing exposure to traditional market volatility.
- WHY US ?
