The EquiVita Advantage

Since 2003 several life settlement companies have been offering this product here in California. However, many of these companies structured the investment left their clients exposed to unnecessary risks and additional out of pocket costs.

 The Old Way. Their Way.

Many of these companies would place your funds in one or multiple policies and put a portion of those funds in a “premium reserve account”. The premium reserve account would pay the premiums (cost of insurance) through the insured’s life expectancy. If the insured lived beyond life expectancy, the premium reserve account would become depleted & investors would then have to pay out of pocket for their premiums. If a case matured early, the life settlement company would pocket those funds as an added profit.

 The EquiVita Way. The Right Way.

TCPRTM: TRU-COST Premium Reserve

  • EquiVita utilizes Premium Optimization calculations derived through independent third-party actuarial companies to forecast a conservative and accurate premium cost
  • Portfolios created with ACTUAL policies and different length of Life Expectancies to create strength and diversity within the portfolio
  • Separate reserve accounts for each portfolio run by a publicly traded trust company
  • REAL dollar amounts up front and transparent
What's My Rate of Return?