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Knowledge Expert on Longevity Insurance

Longevity Extension risk insures against the additional expense of longer than estimated life expectancy within a limited population of insureds. It offsets the increased costs as a result of insureds' improving health. Longevity risk is present in life settlements, pensions, annuities and medical insurance. 

Life Settlement Portfolio Risk Management and Insurance

Enterprise Risk and Compliance Services

Longevity Shortfall Insurance

Remove Longevity tail risk off your books completely. Offer investors certainty. It is efficient, economical, and flexible. Investors are protected through a licensed insurer to provide liquidity at a set future date by purchasing the remaining life policies. 

Portfolio Insurance - Residual Value

Longevity tail risk is the financial exposure to random fluctuations and improving health conditions of  life insured at a future date. Using the Trident structure and defined underwriting guidelines one can transfer longevity risk to an insurance company to assure certainty in the investment.

10-Year Terms and longer

Life Settlements are a long-term investment in an alternative, non-correlated asset. Meaning the returns are not based on capital markets. Looking for a portfolio to perform between 10 to 15 years is ideal. Longevity will set a residual value of the policies at a future date. 

Life Insured Policy Sale and Tertiary Market Services

Our depth of knowledge of industry participants, affords us insights to help a life insured evaluate a method to liquidate their life policy. We have the ability to provide consultative services to manage the pricing targets, marketing to providers, and transaction oversight

Maximize Risk Adjusted Returns

A portfolio of life settlements with Longevity risk needs the certainty of return to investors. We write bespoke insurance structures that take on the Extension Risk Insurance and Longevity Insurance in life contingent investments 

Feasibility and Underwriting Tail Risk

The sophisticated portfolio manager can evaluate the longevity risk and identify insurance coverage on either a finite or portfolio basis. Trident provides feasibility and underwriting expertise to transfer the uncertainty of life insured living longer through Extension Risk Insurance and Longevity Insurance.  Let us share how to take tail risk off your books and assure liquidity at closeout. 

Specialty, ILS, and Alternative Risk Financing

Longevity Shortfall Tail Insurance for life settlement portfolios

Life Insurance and Long Term Care

Longevity is to live a long life. It is a risk in life insurance, retirement, medical expense and long term care.  Our expertise is in structuring insurance risk financing that if effective and efficient. 

#Longevityshortfall

Alternative Risk Financing

We have a deep knowledge base and experience in setting up private insurance structures to finance specialty risk, such as Directors and Officers, Employee Practices, Enterprise Risk, Cyber Risk, Key-man Life Insurance. We have the backbone to get it done and done effectively. 

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Insurance Linked Securities - Life Contingent Investing

Life Settlements are ideal as collateral for either financing more speculative investments or layering returns. With longevity insurance a financier can determine the future value of the asset.  We advise on a structure to bundle and secure a value of life settlements as collateral to finance a project.

Insurance Risk Structuring

Longevity Insurance Contract

 Our Longevity Shortfall policy offers flexible limits of cover, that include coinsurance options for future value of policies 

Underwriting an Existing Portfolio

 If you have an existing portfolio and a desire to put certainty on the returns we have an option for you. We will underwrite the life policies that qualify to our guidelines and develop premium pricing for the portfolio to a future target date. 

Finite vs Portfolio Risk

Longevity insurance is a tool to provide liquidity for a timely closeout of an investment.  The amount of risk transfer can be on either a portfolio basis or finite limit of insurance. Let us model the risk and see what if most efficient.

Insurance Partners

Trident's programs are backed by rated international insurers and reinsurers. 

Bespoke Insurance Structures

With a deep knowledge base, we can customize longevity tail risk in life settlements, life insurance, long term care financing, Specialty Casualty Risk, and Medical Gap Insurance.   Our depth of knowledge can assure an attractive option to manage risk.  

Claim Liquidity

Our process is transparent and efficient. Any dispute is adjudicated under U.S. law. 

Risk Modeling

Our Predictive modelling service provides both a deterministic and stochastic analysis of risk.  We provide consultative services that will deliver insights to enhance returns and offer risk transfer solutions to finance the risk exposure that is identified.  

Consultancy and Managing Underwriter Since 2011

Longevity Insurance

Mission Statement

  

To collaborate and find the most effective insurance structure that demonstrates insight and knowledge to achieve excellent value and effectiveness for our clients

Operating Statement

  

We value the individual and learn from each person we work with.

Business Strategy Statement

 The Company leverages its unique ability to design and develop customized and simple insurance programs, underwriting models, and servicing strategies that will add value to the risk transfer transaction and increase our value to our insured. 

 

 

 

 

Email us for more information or request a call

Jeff J. Post ACI, CRIS

jpost@TridentUnderwriters.com

Phone

 1+ (310) 730-1622