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By: Pacific West Capital Group, Inc.
IRA & 401(k) Insights
This month we are focusing on providing you educational insights on investing with life settlements. We reached out to Pacific West Capital Group, featured speakers at our Self-Directed Investors Conference, to ask some of the most common questions regarding life settlements. Here are their responses to help you in making the most informed decisions when choosing an alternative investment for your self-directed IRA.
The Entrust Group (TEG): What is a life settlement investment?
Pacific West Capital Group (PWCG): Life Settlement Investments involve buying into the beneficiary interest of a policy or policies and experiencing the return on investment just as a beneficiary in any life insurance policy receives the payout in a policy. PWCG specializes in “fractional-beneficiary interests” purchased by investors.
TEG: How does an investor use their IRA or 401k to fund a life settlement investment?
PWCG: An investor can fund the investment with an IRA transfer or 401k rollover. Investment dollars are deposited with a bonded escrow agent who then implements an investment into the policy the investor has designated, and issues a beneficiary designation to the investor.
TEG: Can investors put their money into more than one policy?
PWCG: Yes, investors can place money in as many policies as they wish depending upon availability. For example, an investor can invest $100,000 in a single policy or invest a minimum of $20,000 in several policies.
TEG: How are the returns in a life settlement investment affected by traditional markets?
PWCG: Returns in our life settlement investments are not affected by any of the traditional markets, including the stock markets and their volatilities, the real estate market, interest rate fluctuations, or the prices of commodities.
TEG: Can you put this investment in a company’s name, living trust name, etc.?
PWCG: Yes. Virtually any qualified California entity that has a tax I.D. number or social security number can invest into life settlement investments.
TEG: If an investor passes away before the investment pays out, what happens?
PWCG: The investment would transfer to the investor’s heirs per their will or living trust.
To learn more about life settlements, join our National Webinar Series on February 14th at 10 a.m. PST.
Pacific West Capital Group, Inc. is a California corporation that facilitates the sale of fractional interests in life settlements to qualified California investors. For more information on Pacific West Capital Group, visit their website at www.pwcapital.net and see them live at our Self-Directed Investors Conference on March 8th in Las Vegas [learn more].
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