Traded Policy Desk

Traded Policy Desk is revolutionizing the way that qualified individual investors can access the fast-growing life settlement market. Mainly available to institutional investors in the past, direct investment in individual policies offers the opportunity to earn potentially higher returns than is possible through a life settlement fund structure.

Traded Policy Desk offers individual investors attractive returns, a fixed payout, and access to a low-risk, low-volatility investment. Thanks to our buying expertise, Traded Policy Desk can take advantage of discounts in the marketplace to make policies available that deliver 10% absolute return per annum1, with the possibility of even higher returns if policies mature early.2

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Alternatively, if you have a question please email us at info@tradedpolicydesk.com

What is a traded policy?
A traded policy is the term that is given to the sale of an unwanted or unneeded life insurance policy to a third party – usually a financial institution. The life insurance policyholder is paid a cash lump sum in exchange for transferring ownership of the policy to a third party, who pays all remaining premiums and then receives the life insurance benefit when the policy matures.

Access a fast-growing institutional investment
Institutional investors have quickly caught on to the great potential of traded policies (life settlements), especially in the face of the recent, unprecedented market turbulence.

The benefits offered by traded policies have resulted in rapid expansion and have made traded policies one of the fastest growing investment vehicles amongst institutional investors in the U.S. & Europe. In an October 2008 report, Conning Research™ estimated that about $12 billion in face amount of traded policies changed hands in 2007, up from $6.1 billion in 2006. By 2012, Conning estimates that this figure will approach $21 billion.

In addition, estimates from Bernstein Research™ in March 2005 suggested that the traded policy business could exceed $160 billion by 2030, as shown by the chart below (Dimensioning the Size of the Traded Policy Opportunity).

Research from December 2008 by Managing Partners Limited™, an investment firm specializing in alternative asset classes, found that investment in traded policy funds by institutions and pension funds rose from $303 million to $466.1 million for the 12-month period ending in November 2008, while the amounts from retail investors grew from $101.3 million to $155.3 million for the same period.



Now, Traded Policy Desk is one of the first platforms to provide investors with the opportunity to invest in whole individual policies.