Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Ultra-Wealthy Families Use Life Settlement Secondary Markets
In this episode, Lucas and Luna explore the life settlement secondary market, where wealthy individuals sell unwanted life insurance policies for a lump sum that exceeds the cash surrender value but falls short of the death benefit. They break down how this works using a real example: a 75-year-old policyholder with a $5 million policy and $200,000 annual premiums who can net $1.2 million from a life settlement. They discuss the role of institutional investors, the tax treatment of proceeds, and why this market has grown to $5 billion annually. Lucas explains the key players—settlement…
The skinny
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