Life Expendency Evaluation

Life Expendency Evaluation (LE) This is made by special licensed companies in the US, which are recognised and accepted by all bonding partners. They are making a very serious job in calculating the estimated lifetime of an insured person. But in real of course nobody knows, when the individual policy really matures. It might even be that a 10 years portfolio mature completely within 7 years and before a 7 years portfolio. 

We are working with the leading companies in the USA, as there are (outline) 21st Services of Minneapolis, Minnesota, USA Examination Management Services Inc. (EMSI) of Dallas, Texas, USA American Viatical Services of Woodstock, Georgia, USA Fasano Associates of Washingston DC, USA.

We are using all state of the art mathematical and statistical simulation models. Bonding and Date Certain Payment (DCP) Normally the SLS-Policies are open ended – no one knows exactly when the insured dies and at which date exactly the irrevocable beneficiary owner of the policy gets the face value of the policy. This may happen one day after the beneficiary ownership has been changed or after 15 years. 

For collateral uses this is unusual, as the investor needs for collateral purposes a fixed defined exit date and not a never ending story. 

For these purpose portfolios of SLS Policies are beeing bonded and have a fixed latest Date Certain Payment (DCP) that pays the face value of all left open policies after a defined date latest plus additional one or two years of time. 

Investor can be shure that his investment is beeing ended latest after a fixed date, even if policies have not matured at that date.