Invest in Wall Street’s Best-Kept Secret
Life settlements let you profit like the institutions—by owning fractional interests in life insurance policies through Redemption Insurance Solutions of America. Uncorrelated to the stock market, they offer steady, diversified returns.
Fractional Life Settlements
A life settlement happens when a senior sells an existing life insurance policy to an investor insteadof letting it lapse. The investor takes over premium payments and collects the death benefit when thepolicy matures—earning strong, predictable returnsbacked by top-rated insurance companies.
For decades, only major institutions like Credit Suisse, AIG, Apollo Group, and Warren Buffett’s Berkshire Hathaway could access this market. Now, through Redemption Insurance Solutions of America, qualified investors can participate through fractional ownership, buying shares of policies for as little as $25,000.
Unlike stocks, real estate, or commodities, life settlements are completely uncorrelated to market fluctuations, offering true diversification and stability in any economy.
How It Works
A life settlement lets investors purchase existing life insurance policies from seniors who no longer need them. The investor pays the premiums and collects the death benefit when the policy matures—earning strong, predictable returns from policies issued by top-rated insurance carriers.
Who It’s For
For decades, only major institutions like Credit Suisse, AIG, Apollo Group, and Warren Buffett’s Berkshire Hathaway could access this asset class. Through Redemption Insurance Solutions, qualified investors can now participate with as little as $25,000, using cash, IRA, or 401(k) funds.
Why It’s Unique
Life settlements are completely uncorrelated to the stock market, real estate, oil prices, or interest rates—providing true diversification. They offer steady, market-independent returns and help balance risk in any investment portfolio.
Structured for Safety
Redemptions life settlement investments are built with multiple layers of protection to ensure investor security. Each policy is issued by an “A-Rated” or better insurance carrier, among the most financially stable companies in the world, and further backed by reinsurance and state guarantee funds—so even in rare insolvency events, claims remain protected. Additionally, all policies are held in an independent First Western Statutory Trust, meaning they are legally separated from Redemptions operations and creditors. This structure provides investors with a three-tier safety net and a proven track record—no legitimate death claim in U.S. history has ever gone unpaid.
The Process
Step One
Signing the Docs – When an investor chooses to participate in a Redemption portfolio or in one of the life settlement portfolios offered through our trusted partners, standard legal documents are required—just like with any regulated investment. Your agent will make the process simple and transparent. At Redemption, we pride ourselves on honesty and clarity every step of the way.
Step Two
Sending Funds – Is it a cash deal or “qualified (IRA, 4011k, etc) money? Once that decision is made, a wire or check is sent to the Trustee, First Western Trust.
Step Three
The Trustee records and issues a certificate in the investor’s name indicating the ownership percentage of the portfolio. This guarantees the investor their proper share of the payout.
Step Four
The investor receives a “Closing Packet” with all signed documents involved in the transaction, including a copy of the Trustee Certificate.
Step Five
The Trustee maintains the portfolio and ensures the policy remains in force by making all scheduled premium payments.
Meet Our Trustee!
First Western Trust
First Western Trust has offices across the nation.
Why Choose Redemption
Redemption stands out through accuracy, diversification, and protection. We work with
trusted, licensed life settlement providers who use only the most conservative Life Expectancy (LE) analysts—such as LSI, Fasano, AVS, and 21st Services to ensure realistic projections and protect
investors from unexpected “premium calls.” Each investor participates in a diversified portfolio of
policies, spreading risk and strengthening potential
returns. All policies are held in an independent trust with First Western Trust, providing legal protection
and ensuring payouts come directly from A-rated insurance carriers. The result is a secure,
transparent, and high-performing investment experience managed through Redemption’s
professional agent network.
Stock Market Myths
Many investors believe the stock market consistently averages strong annual returns, but those figures often ignore the negative years that erase gains. Even a 50% loss requires a 100% rebound just to break even—hardly a reliable path to growth. True diversification isn’t about owning different stocks; it’s about adding alternative
assets that aren’t tied to market swings. That’s why many investors look beyond Wall Street for stable, non-correlated opportunities that deliver predictable, contractual returns.
Buying Equity — Not Speculating
Unlike stocks or real estate, where you hope values rise, fractional life settlements let you know your payout upfront. You’re not gambling on market swings — you’re purchasing equity from day one, backed by a contractual return and trustee protection.
FAQ Section
Is there a minimum investment?
Our minimum investment is $25,000.
Absolutely! Since this is a buy and hold asset, many investors match it perfectly with their retirement accounts which they won’t be accessing until many years down the road. We use IRA Services and other participating custodians for investors with IRA/401K accounts.
First Western Trust acts as Trustee for our Life Settlement Portfolios.This is the safest way to protect investors’ funds. A bankruptcy remote Trustee that is also a national bank holds the polices and funds in Statutory Trust so that any creditors, whether it be Redemption trusted partners or Investors’, cannot access the funds in the portfolio accounts.
No. Viatical settlement usually applies when the insured has a life expectancy that is less than two years and is typically terminally ill. There is no age requirement. Often a cure is found. Life Settlements deal with seniors. There is no cure for old age.
Most financial advisors don't know about this product. For years, Wall Street's best kept secret" has only been available to the large institutional investors.
We only offer policies from “A rated” or better companies. You’ve seen their buildings in every city in the country. They’re the tallest. Pacific Life, Mutual of Omaha, Transamerica, etc..
Yes, this is quite popular with our investors as many often roll their annuities into this investment. Consult your tax professional for qualifying details.
With Redemption Trusted Partners approach to investing you chance of paying a “premium call” are quite small. However, if one should become necessary, it will lower your ROI. Remember, any unused premium for a policy that matures early will be returned to investors, which will INCREASE their ROI.
Yes. Any legal entity can own Redemption Trusted Partners products, as long as a Tax I.D. number is provided.
Yes, the same way as all of your assets.
California has strict laws protecting investors purchasing this asset. Senate Bill 1837 was passed into law in the form of Corporations Code 25102(q), and the Department of Business Oversight regulates the business in California. The SEC classifies this asset as a security and also monitors closely.
While these laws mandate many disclosures, Redemption Trusted Partners surpasses those requirements and provides full transparency.
First Western will provide “Verification of Coverage” to any investor upon request.
As soon as the Carrier pays the Trustee, your payout immediately follows.