Premium Optimization
The processes and proprietary analytical models of SSLLC do more than just protect the assets of the investors. They also enhance the investor’s internal rate of return (IRR).

 

Many life settlement servicers refer to Premium Optimization as the process of calculating premiums based on valuation models rather than accept the insurance companies’ premium notices. SSLLC takes it one step further. We conduct an internal analysis of every policy to determine the minimum premium necessary to keep the policy in-force for the next policy year. This helps reduce the amount of premiums that could be left in a policy upon maturity.

 

Certain products have complex features where the actual minimum premium required to keep the policy in-force is much less than what the pricing model may indicate.

 

Additionally, SSLLC conducts ongoing calls to the insurance companies to obtain cost of insurance charges and verify these charges are consistent with our analysis.


 

"We conduct an internal analysis of every policy to determine the minimum premium necessary to keep the policy in-force for the next policy year"