LISSX is creating an ecosystem through which individual corporations, regulators, and institutions (including the largest entities in the world) will enjoy a frictionless way to participate in the massive and misunderstood life settlement market.
LISSX is an operational exchange platform for the trading of life insurance policies, known as life settlements, in the primary, secondary, and tertiary markets across multiple countries.
What Is A Life Settlement?
The sale of a life insurance policy to a 3rd party for a percentage of the face value, bigger than the cash value but less than the death benefit.
The purchaser assumes all future premiums payments and receives the death benefit upon the death of the insured.
Valuing A Life Settlement
- Evaluate health conditions.
- Underwrite for health rating category.
- Predict future life expectancy through analysis.
- Determine future payments.
- Subtract future payments from death benefit.
- Determine net asset value.
Our Life Settlement Ecosystem
LISSX spent 4 years figuring out how to simplify the process on behalf of brokers, sellers, buyers, and investors to make a streamlined process for Life Settlement trading within current regulations and financial systems. The current system simply does not have the necessary components to facilitate efficient, safe, compliant trading of life settlements.
With LISSX creating a new financial exchange, that is now possible for the first time in history.
The current ecosystem is none existent for the average person to sell their policy, or for individuals and funds buy them.
LISSX fulfills the entire life cycle of life settlements to enable quick, efficient, universal methods of capturing all the variables needed to sell and buy life settlements.
On Our Platform
Both Sides Benefit
We setup our entire ecosystem to benefit all parties involved. This creates a low barrier of entry to ensure the exchange can grow quickly, while protecting all participants across the globe.
- New options when people can no longer afford their premium payments.
- The beneficiary no longer needs the death benefit.
- Person no longer needs, affords or wants the policy, so they use the money for personal expenses or investment.
- A broker will maintain their commission for their portfolio of life insurance policies and a commission for every policy sold in the trust.
- Steady investment asset.
- Returns are between 10% - 18% annually with a A-AAA credit rated portfolios.
- Opportunity to help people not to lose an available instrument.
- No correlation between other investments such as stocks, bonds, debt, etc.
Why Buyers Invest
Life settlements introduced into an overall asset allocation matrix, provides diversity into a portfolio as an A-AAA uncorrelated investment with low risk, low volatility, and superior returns. The life insurance industry is one of the largest financial markets in the world. In the USA alone, this equates to over $20.4 Trillion (of face value) actively open on policies issued. Annually in the USA, $119 Billion in face value lapses every year.
Globally $1 Trillion in face value lapses annually.
Zero Correlation Asset Class
Life settlements introduced into an overall asset allocation matrix, provides diversity into a portfolio as an A-AAA uncorrelated investment with low risk, low volatility, and superior returns.
Life settlements offer Zero Correlation to other asset classes.
LISSX has partnered with top tier, world class companies that help complete our vision of bringing a new financial exchange to market. They believe that a new financial exchange based on zero correlation assets will be a change the financial world across the globe. With decades of combined experience in financial tech and modeling, they fulfill our platform to work now and for a long time to come.
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