My Legacy LLC acquires life insurance policies and offers investors access to an asset class built on fundamentals — managed with stewardship and integrity.
True wealth is what you build, protect, and pass on.
My Legacy LLC specializes in life settlements — the purchase of existing life insurance policies. We acquire policies at fair market value and manage them as long-term assets, offering investors access to returns driven by actuarial fundamentals rather than market headlines.
We partner with our clients through clarity, strategy, and unwavering integrity — because a legacy isn't accumulated. It's built.
The Basics
"A life settlement is the sale of an existing life insurance policy to a third party — for more than its cash surrender value, but less than its death benefit."
An institutional-grade asset class historically favored by pension funds and endowments — built on policies that would otherwise lapse or be surrendered for a fraction of their worth.
Life settlement returns are largely uncorrelated with equities, interest rates, and economic cycles. Policy performance is driven by actuarial math — not market sentiment.
Whether you're interested in purchasing individual policies or investing in our funds, we source, underwrite, and steward every asset with discipline and full transparency.
A life insurance policy is an asset — and like any asset, it has a market value.
What Is a Life Settlement?
The sale of a policy that's no longer needed
A life settlement is the sale of an existing life insurance policy to a licensed third-party buyer. The seller receives a lump-sum cash payment — typically more than the policy's cash surrender value and less than its death benefit. The buyer takes over premium payments and receives the death benefit when the policy matures.
Life settlements exist because circumstances change. A policy bought twenty years ago to protect a mortgage or young children may no longer serve its original purpose — but it still holds real value.
Every year, billions of dollars in life insurance benefits are forfeited when policies lapse or are surrendered. Life settlements keep that value in play — for families and for investors.
The Landscape
Three ways a policy can end
Lapse
Recovered: Nothing
Premium payments stop and the policy terminates. Years of premiums are simply gone, and beneficiaries receive nothing.
Surrender
Recovered: Cash Surrender Value
The policy is returned to the insurance company for its cash surrender value — often a small fraction of what it's actually worth on the open market.
Life Settlement
Recovered: Market Value
The policy is sold to a third party at its true market value — frequently several times the surrender value. Value that would otherwise be lost is preserved.
The Asset
What makes a policy valuable?
Every policy is evaluated individually, but the strongest life settlement assets generally share a few characteristics:
Insured is age 65 or older (younger with certain health changes)
Policy face value of $100,000 or more
Universal life, whole life, convertible term, or survivorship policies
Strong, highly rated insurance carriers
Sustainable premium structures relative to face value
Common Questions
Life settlement FAQ
Yes. Life settlements are a legal, regulated transaction. The right to sell a life insurance policy was established by the U.S. Supreme Court in 1911 (Grigsby v. Russell), and today most states regulate life settlement transactions to protect consumers.
Circumstances change. Premiums become burdensome, the original need for coverage passes, or funds are needed for retirement and healthcare. A life settlement lets the owner capture real value instead of lapsing or surrendering for pennies on the dollar.
Life settlements offer returns driven by actuarial fundamentals rather than market performance. That makes them largely uncorrelated with stocks, bonds, and economic cycles — genuine diversification historically favored by institutional investors.
The buyer becomes the new owner and beneficiary, takes over all future premium payments, and receives the death benefit when the policy matures. The original owner walks away with their payment and no further obligations.
Reach out. Whether you're interested in purchasing individual policies or investing in our funds, we'll walk you through the opportunity, our underwriting approach, and what to expect — privately and with no obligation.
Interested in buying a policy or investing in our funds?
My Legacy LLC purchases existing life insurance policies and manages them as long-term assets. We acquire policies at fair market value, maintain them with discipline, and offer investors access to the returns — either through the purchase of individual policies or through our funds.
It's a straightforward business, done with uncommon care: rigorous underwriting on every acquisition, active stewardship of every policy, and honest communication with everyone we work with.
Why It Matters
Value that would otherwise be lost
Every year, billions of dollars in life insurance benefits are forfeited — policies lapse when premiums become unaffordable, or get surrendered back to insurance companies for a fraction of their worth. Most policyholders never know a better option exists.
Life settlements fix that broken outcome. Policyholders receive fair market value for an asset they earned over decades of premium payments. Investors gain access to an asset class driven by actuarial fundamentals rather than market swings — the kind of stable, uncorrelated returns institutions have quietly relied on for years.
When it's done with integrity, everyone is better off. That's the standard we hold ourselves to on every transaction.
What Guides Us
Our values
Trusted
We do what's right. Always.
Stewardly
We protect, grow, and preserve.
Strategic
We plan today for tomorrow's legacy.
Legacy-Driven
We build with purpose and vision.
Your Legacy. Our Purpose.
We'd be honored to be part of what you're building.
