Life settlements are the first new asset class in 25 years since REITs were introduced. It is predicted that within the next 3 years adding uncorrelated longevity instruments will become one of the major investment options alongside equities, bonds, real estate and commodities. The investment management industry and capital markets are already integrating life settlements into their product offerings, i.e., structured products are developed that have significant advantages over other asset classes.

Coupling life settlement pools with other capital markets products leads to a wide spectrum of compound products that can guarantee principal, backing bonds with a pool of life settlements can guarantee repayment, floors can be structured on fund investments and derivatives can be structured to offer "through the curve" returns.

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