8/24/2026 10:04 PM (PST)

Life settlement investment funds provide investors with exposure to a portfolio of existing life insurance policies rather than requiring them to evaluate and acquire individual policies themselves. The fund acquires qualifying policies, manages ongoing premium obligations, and receives the death benefits when policies mature. Investors may consider these funds as an alternative investment because the underlying return is primarily influenced by actuarial factors and insured longevity rather than daily stock and bond market movements. Portfolio diversification can also help spread exposure across multiple policies. However, life settlement funds can involve long and uncertain holding periods, premium expenses, limited liquidity, fees, and underwriting risks. Investors should review the fund structure, policy selection process, projected cash flows, management experience, and offering documents before investing.