The Process

Step One

 

The investor reviews the Policy Menu Sheet and decides to invest. We recommend purchasing into the entire portfolio which typically have five policies for diversification.  The minimum investment is $25,000. 

 

Step Two

 

The qualified investor completes the Suitability Questionnaire documents and indicates the amount of the initial investment.  This document qualifies the purchaser in order to comply with Senate Bill 1837.

 

 

Step Three

 

The qualified investor places their money into the Escrow Account held by Sunwest Trust. Once Sunwest Trust receives the completed Multi Policy Application documents, Sunwest Trust transfers the initial investment amount from the Escrow Account into the Premium Reserve Account.

 

Step Four

 

Sunwest Trust issues Ownership Certificates to the investor from the trust for their selected policies. The program together with Sunwest Trust prepares the investor’s closing documents and sends them to the investor in a personalized binder.

 

Step Five

 

The purchaser basically from here on simply waits for the policy maturity.  When the policy matures, the purchaser receives the fractional interest owned in the contractual death benefit of the policy.  This is what makes this asset class so unique.  It is not subject to the wild swings that stocks, bonds, or real estate experience causing the investor both stress and potential heavy losses.