United States Supreme Court Ruling 

The United States Supreme Court ruled in the case of Grigsby vs. Russell, that a life insurance policy is Personal Property and is freely transferrable.  This ruling allows any owner of a life insurance policy to sell that policy to an investor.

Benefits To The Investor

Minimal Risk To Principal Investment; Potential High Yield

Predetermined Outcome

Avoid volatility of stock market and real estate

Can be used as collateral assignment against some obligations

Choose your own beneficiary; this can be yourself, spouse, children, trust, corporation, charitable organization, etc.

Ideal for qualified funds, such as IRA’s, SEP’s, 401(k)’s

Knowing that you are helping others by needed capital so they can enjoy their remaining years.

Benefits To Seller of their Life Insurance Policy

Cash now to support their immediate needs such as pay medical bills

Allows seller to use proceeds to fulfill bucket list dreams

Eliminates the burden of premium payments

Ability to give a gift to family or charity while living

Some of the largest purchasers of life settlements

• Warren Buffett / Berkshire Hathaway have invested several billion 

• Bill Gates has invested over 500 Million of his own money into this product 

• Credit Suisse 

• AIG 

• Merrill Lynch 

• CAN 

• Many Hedge Funds and Pension Funds 

We will negotiate on your behalf 

A policy will be presented for your evaluation and approval

Once accepted, contracts are signed and funds are sent to the escrow account and maintained there until completion of the settlement.

At closing, the escrow agent will disburse contracted lump sum to Insured, escrow fees, marketing and management fees to FBG

Who Pays The Premiums For The Policy

The new Owner (Investor) of the policy is responsible for making timely premium payments to the insurance company. 

What’s Next?

Let us know how much would like to invest, so we can use that as a benchmark to match you with a policy or group of policies with large upside potential.

You have the right to accept or reject any policy FBG presents to you for purchase.

We review many policies and will usually only present you with options that are the most beneficial to you, the Investor.

Once you have agreed to purchase a certain policy or policies, a purchase and escrow agreement will be signed by all appropriate parties and we will begin the process of transferring the policy into your name once funds have been received by the escrow agent.

After the ownership and beneficiary has changed ownership to you, that transaction is complete and the only ongoing obligation you have is to make sure the premiums are paid.

Family Brokerage Group will assist the new policy owner to maintain their policy on a best efforts basis and will assist the investor to file the death claim with the insurance company to collect the death benefit.

How Can Life Settlements Benefit You?

Life Settlements are a truly unique investment vehicle. Because Life Settlements have all of the characteristics of conventional life insurance, they can be owned by any legal entity (individual, partnership, corporation, etc), and used to more effectively plan for college, retirement, construction, or any other financial goals; all with minimal risk and potentially high yield.

It is has been several years since I first learned about this asset class, and in that time I have personally invested in multiple policies, referred numerous friends and family who have done the same, and joined Family Brokerage Group as a Marketing Consultant. I would not be presenting this opportunity to you if Life Settlements and Family Brokerage Group were not a product and a company that I wholeheartedly believe in. For me investing in low risk and high yield insurance policies (backed by the top rated American insurance companies) is a financially intelligent decision. My only regret is that I wish I would of known about Life Settlement policies before several of my realtors and financial advisors lost a lot of my money, otherwise I would have bought more Life Settlement Policies. Hopefully I can save you from losing as much money as I lost in the stock market and real estate.

Best Wishes,

Richard B. Treadway

317-590-6767

Ricky.Treadway@gmail.com