The Investment team at Secure Capita has developed a scalable and robust process to acquire policies in all segments of the Life Settlement Market. Through our reputable Policy Providers, we are able to identify and source policies in the Direct, Secondary and Tertiary Markets.  Our Policy Providers are duly licensed to operate in all of the states within the USA where it is advantageous to obtain the greatest volume of policies. Secure Capita has implemented rigid policy acquisition parameters that dictate the risk margins of each policy purchase which form the basis of constructing balanced and diversified portfolios. Portfolios are diversified according to life expectancy, age, gender, smoker status, face amount etc.

 

Secure Capita utilizes actuarially sound financial models to analyze each policy to ensure that it meets or exceeds each client’s benchmark return. Given our experience in the market, we are able to perform in-depth actuarial analysis on any risk metric that would affect the policy return and impact the portfolio as a whole. These risk analysis protocols provide the framework for acceptable ranges of offer prices, while ensuring maximized return for each policy. Although the Providers perform due diligence on each policy, Secure Capita has implemented a rigid and robust due diligence process to confirm the analyzed risk tolerance levels and the ability of the policy to meet its return.  

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Our purchase process allows us to effectively manage all policies purchased and provides the guideline for each policy’s on-going management. Through our due diligence process, we are able to obtain and maintain accurate records and documentation. Secure Capita’s purchase model uses the policy structure to optimize the expected premium stream. Therefore, we are able to verify the difference, if any, between the estimated premiums and actual premiums required by the life office. Our customized database allows us to track premium payments and ensure payments are made correctly and on time. We actively monitor each policy performance and can,  if advantageous, re-configure policy terms to match return objectives. In addition, we perform actuarial policy valuation under the directive of each managed account.