Early Excess Mortality in Life Settlements on Par with COVID-19 Projections

In this post we estimate an “equal-risk” projection of COVID-19 mortality within life settlements using the geographic overlap of COVID-19 deaths with life settlement insureds.  By comparing this equal-risk rate to observed data, we estimate a net mortality risk factor of 6-12x for the life settlements population.  This is on par with a simple age-weighted projection of mortality and suggests socio-economic advantages may have [...]

Is Life Settlements Population at Greater Risk Due to COVID-19 Comorbidities?

In this post, we investigate how the unique comorbidity profile among life settlements lives may impact outcomes due to COVID-19. Our analysis concluded that life settlements likely represents a higher risk comorbidity profile than either the U.S. adult or senior populations. Due to correlations with age, we could not conclude whether this increased vulnerability extends the vulnerability due to age alone as presented in [...]

What do Obituaries Reveal About COVID-19 Mortality?

In this post, we look at whether COVID-19 has had an impact on the number of obituaries being reported, as they are a critical source of death data. Note that the charts in this post are interactive. PBI Research Services , a subsidiary of Longevity Holdings LLC , is a national leader in death auditing and mortality tracking. Their mortality data is captured from [...]

The Impact of COVID-19 on the Life Settlements Population

It is now widely accepted that COVID-19 (Coronavirus Disease 2019) will have a broad, lasting impact around the globe, and in the U.S. in particular.  The magnitude of that impact is still unknown, but that there will be a measurable impact has become indisputable.  The life settlements population represents a unique cohort of individuals who may experience greater vulnerability to COVID-19 than the broader [...]

What You Need to Know About Life Expectancy Estimates

Life expectancy estimates are used by life insurance companies and other organizations in various ways. The Life Settlement market relies heavily on this type of data to ensure the health of their portfolios. Let’s take a look at how life expectancy estimates are created, and what they include. How Life Expectancy Estimates are Calculated Life Expectancy (LE) estimates take a number of factors into [...]

How Using a Life Expectancy Report to Manage a Life Insurance Policy Helped Save Our Trustee

Our TOLI Administration team received notice from a 91-year-old grantor that she would no longer be making any contributions to her trust. This is not an entirely uncommon occurrence, as those of you who manage life insurance trusts know. Her trust held a portfolio of Whole Life policies that totaled $1.2M in death benefit. Though she was over age 90, she was “in good health” [...]

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