1. Life Expectancy (LE) Reports
Greenrock Life Group ONLY uses LE reports from the longest, most conservative companies, such as LSI, Fasano Accociates, AVS or 21st Services. Those companies are the “Gold Standard” in the Life Settlement industry. Why is this important?
These two companies have the longest LEs in the business. If an investor REALLY wants to know what the return on their investment (ROI) is going to be, accurate LEs must be used. Furthermore, the longer an insurance policy lasts, the more premiums have to be paid, and the lower the ROI.
Did you know that most companies will make investors come “out of pocket” if a policy goes beyond that company’s LE? It’s called a “premium call”. If a company uses an LE that’s short, that company makes more money, and the investor LOSES!
Is all of this a little complicated? You bet! Contact your agent who introduced this product to you, or feel free to call us directly. But just remember: If you’re considering spending your money on this investment, FIND OUT the LE company!
2. The “Portfolio Approach”
Not only do we have the most desirable polices available for our investors, we use a “Portfolio” approach. For the minimum $25,000 investment, investors are available to own a share of a portfolio of polices, not just one. Diversification is key in any investment, and being able to own multiple polices for the minimum amount provides extra security and higher probability of attaining the projected returns.
Also, this approach makes a “premium call” (mentioned above) EXTREMELY unlikely. All premium reserves are placed in and shared in the fund. If a policy “goes long”, then the Portfolio pays the added expense, and the policy pays back this amount upon maturity.
3. First Western Trust
Greenrock places ownership of the polices into a trust at First Western Trust. Therefore, the owner of the policies is First Western Trust, as Trustee, and YOU the investor as beneficiary of the Trust. If Greenrock should become insolvent for any reason, you're protected!! The Trust cannot be pierced, and investor funds are safeguarded. The payout goes DIRECTLY from the Trust to the Investor.
Remember, investor payouts come from Insurance Carriers with an “A rating” or better. They’re the most financially stable companies in the U.S. Combine that with the Independent Trust to get a product with outstanding returns and unparalleled safety.