Q: What are the pros and cons for clients?

Mr Winders said: “The return profile of life settlements is typically very stable, which suits cautious investors and those concerned about taking risk, particularly in light of the volatility of markets in the past few years.”


Investment minimums can be relatively high compared to some products and there is always the possibility that regulations could change and affect the asset class.

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There has also been some criticism around the transparency of process with some funds.

Mr Winders said: “It is important to be able to fully understand the relationship of all the counter-parties in the fund, to be able to see what policies are held, how they are valued and their current valuations as well as what fees and commissions are being paid.”