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Life Settlements with LSX Capital Management

The Life Settlement asset class is a non-correlated investment category that offer investors an opportunity for portfolio diversification and balance.

WHAT WE DO

LSX Capital Management (LSXCM) builds customized life settlement portfolios for investors seeking diversification through this non-correlated asset class. We match client-specific guidelines with the right policy inventory to provide end-to-end portfolio management coupled with a results-based fee structure.

OUR MISSION

Our mission is to provide investors unparalleled access, expertise, and transparency to the growing Life Settlement investment marketplace.

OUR EXPERIENCE

After launching the nation’s largest Life Settlement marketplace, two members of the founding team spun off to create LSX Capital Management. While the marketplace centralized real-time deal flow and data analysis, independent investors still struggled to get deals done. LSXCM goes beyond sourcing to handle underwriting, acquisition, and complete portfolio management of Life Settlement investment portfolios. We also provide investors with access to all sourced policies, including shorter life expectancies that are often purchased inside the supply chain and rarely make it to the secondary market.

HOW IT WORKS

Life settlements allow original policy owners to unlock the otherwise hidden economic value in their policy so they may benefit from a non-correlated asset class.

A Life Settlement is a cash payment given in return for a transfer of ownership and the right to receive the face value of a life insurance policy.

Candidates for life settlements are typically 65 years or older and own a life insurance policy with a face amount in excess of $250,000. 

POLICY HOLDER’S NEEDS CHANGE OVER TIME

Policies often held for 16+ years

More than 90%  of all life insurance policies lapse

They don’t want it, don’t need it, or can’t afford it

Investors benefit  

from a non-correlated asset class

Original policy  owners get the  maximum value from their asset

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“I was unaware that the policy I was about to let lapse was so valuable. Working with LSXCM was a pleasure because my transaction moved smoothly and I received my check quickly.  
I would recommend them  
to anyone”

TINA R., POLICY SELLER, NEW JERSEY

OPPORTUNITY FOR BOTH PARTIES

Before the formation of the Life Settlement market, owners of life insurance policies received little, if any, economic value from policies they no longer wanted, needed, or could afford. More than 90% of all life insurance policies lapse, meaning that no tangible financial value is ever provided to the original policy owner or beneficiary over the lifetime of the life insurance policy. LSXCM provides liquidity for policy owners when there’s greater value in the policy than surrendering the policy to the issuer. Despite the allure of this non-correlated asset class, most investors don’t have the access, the process, or the expertise to participate. The Life Settlement market represents a significant and growing opportunity given the aging United States population and the number of senior citizens seeking to bolster their retirement savings by selling assets that require periodic payments. Conning Research & Consulting estimates that the United States  gross market potential for life settlements will range between $188 billion to $230 billion in face value from 2019 to 2028.