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Life Settlement Providers

HMH has experience advising life settlement providers.

Life settlement providers face challenges that include:

  • Mortality gains
  • Sales price
  • Insurable interest risk
  • Tax risk
  • Regulatory and legislative risk

HMH delivers incisive advice to life settlement providers pertaining to those challenges:

  • Evaluated IOLI structures since the 1990s
  • Audited life settlement processes and life expectancy results
  • Certified the formulas, calculation methods and business rules used to support insurers' products, general ledgers and systems that implement illustrations and proposals
  • Developed experience rating and other methods for managing the risks and pricing of insurance contracts
  • Drafted applicable insurable interest and tax rules