The suitability of a particular life insurance policy for settlement is determined by a number of interrelated factors.  In analyzing policies for purchase recommendation, Mosaic’s underwriting group employs a complex set of metrics which not only determine unique intrinsic value but also overall contribution to a pool’s objective.  Any particular policy element often contains contradicting components which must be weighed as a whole.  For example, a high premium to death benefit ratio may be offset by an accelerated buildup in cash value usable to pay later years premiums in the event of life extension beyond projected life expectancy. 

Internally developed and refined through experience, these measurement tools combine with external services from consulting actuaries, life expectancy forecasters and financial strength rating agencies to buttress buy or decline recommendations. 

Our valuation goes beyond determining financial viability.  We also employ a fraud scoring mechanism and research the genesis of the original contract for insurable interest validity. 

Of special interest to many clients is our downside risk analysis.  We assess the gracefulness of return degradation to determine at which point beyond life expectancy the return diminishes to that of a treasury bond when the exhaustion of cash values requires additional premium levies. 

In total, our valuation services help you build your portfolio to exacting specifications with performing, pristine policies that deliver the returns you expect.  At Mosaic, we “Engineer Financial Security ”