Life Settlements

& Commercial

Real Estate

WHAT IS A LIFE SETTLEMENT?

Thousands of senior citizens are looking to sell their life insurance policies for cash. Many use the cash they receive to help pay for end of life and long term care costs. When they sell their life insurance policy to an investor or third party for cash this transaction is called a life settlement.

Thousands of senior citizens are looking to sell their life insurance policies for cash. Many use the cash they receive to help pay for end of life and long term care costs. When they sell their life insurance policy to an investor or third party for cash this transaction is called a life settlement.

In 1911, the United States Supreme Court ruled in Grigsby vs. Russell that insurance policies are legally viewed as financial assets which may be sold to a third party at the owner’s discretion. This court case is the foundation for the large and growing secondary market for life insurance in which policy owners can receive fair market value for their policies rather than accepting the typically lower cash surrender value offered by the issuing insurance company.

A life settlement is the sale of an existing life insurance policy to a third-party investor for more than its cash surrender value but less than its net death benefit. Life settlements are an option for policyholders who determine that their current policy is about to lapse, is underperforming, or is no longer needed due to changes in the owner’s personal or financial circumstances. Through a life settlement transaction, a policyholder can convert an unwanted life insurance policy into a lump sum cash payment. The new owner/investor buys the policy at a discount to its face value and assumes the future premium payments. The investor typically holds the policy until maturity (death of insured) at which time the investor receives the death benefit payable under the policy from the issuing insurance company.

The amount paid in a life settlement is based primarily on the life expectancy of the person insured, the face amount of the insurance policy, and its ongoing premium requirements. From the original owner’s standpoint, a life settlement typically is a more lucrative alternative to letting the life insurance policy lapse or surrendering it to the issuing insurance company, essentially turning a non-productive asset into a productive asset.

Savvy institutional investors have quietly placed billions of dollars into life settlements over the last several decades, capitalizing on the low downside risk, near zero volatility, and superior returns. Because the acquisition of large pools of policies costs tens or even hundreds of millions of dollars, historically, only ultra-wealthy and institutional investors could afford to buy life settlements.

Bedrock Capital Group now offers Florida residents an opportunity to acquire interests in multiple life settlement insurance policies through Policy Shares™, allowing them to participate the same way wealthy investors have done for years.

Bedrock Capital Group was created by the same people at Senior Settlements, LLC who  pioneered the Life Settlement industry more than two decades ago. Senior Settlements has transacted $2 billion in life settlements over the past two decades with its last capital markets transaction, a $200 MM+ sale to Deutsche Bank. In its capacity as originator and servicer, Senior Settlements has over 100 years combined experience in this asset class.

BEDROCK CAPITAL GROUP

Policy Shares™

Peninsula Capital Partners provides Life Settlements through our partnership with Bedrock Capital Group;  a highly specialized team that has decades of combined experience in the life settlement industry. Bedrock Capital now offers Florida residents an opportunity to acquire interests in multiple life settlement insurance policies through Policy Shares™ allowing them to participate the same way wealthy investors have done for years.

LIFE SETTLEMENTS ARE NOW CONSIDERED A VALUABLE FINANCIAL PLANNING TOOL

Recognized by USA Today, MSNBC, Wall Street Journal and More

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AARP

American Cancer Society

Time Magazine

Business Week

The Economist

Motley Fool

USA Today

Wall Street Journal

Kiplinger’s

Bloomberg

MSNBC

Dateline

60 Minutes

American Institute of CPA’s

Wharton School of Business

AARP

American Cancer Society

Time Magazine

Business Week

The Economist

Motley Fool

GIVING BACK

Peninsula Capital Partners invests in our community.  We donate a percentage of all subscriptions to support charitable organizations.

Click here for a Brochure on Life Settlements.

Commercial Real

Estate Investments

AIP Capital raises and places equity in undervalued commercial office complexes.

​We partner with AIP Capital whose focus and expertise is in commercial properties in the northeast and mid-Atlantic regions. These regions provide immediate, attractive, and sustainable investment opportunities providing both regular quarterly income and long-term capital appreciation. AIP Capital differs from private equity funds in that investors have discretion over individual assets, allowing better diversification and leverage control.

Strategic Summary

Designed for investors seeking:

    • Consistent income through regular quarterly cash distributions
    • The potential for capital appreciation and reduced portfolio volatility
    • Property specific investment options
    • Alternative investment sectors with a history of strong returns

Why invest in Commercial?

For the past 10 years, rent growth has been consistently positive in the real estate sector. This includes periods of major stock market corrections. Astute investors can capitalize on these growth trends and achieve downside protection throughout economic cycles. Investments in commercial real estate properties are poised for high yield and act as a natural hedge against inflation. Real estate continues to be an attractive investment given its general characteristics (e.g., stable cash flow, finite amount of land in designated markets, and ability to create an appropriate risk-adjusted levered return)

Our Investment Approach

We seek to optimize overall investment performance through acquisitions with value-add capital improvement opportunities and implementing disciplined operational procedures.

A strong understanding of commercial operations is critical when making investments in these sectors. For each investment, we apply a comprehensive approach that includes market evaluation, and financial analytics to ensure strong returns while mitigating risk.

​AIP Capital’s acquisition focus will target assets that fall within three specific categories: core, core-plus and value-added.

Peninsula Capital Partners

We operate with significant local market expertise | Extensive due diligence package per acquisition | Attentive to the quality of the finished product | Analyze financial forecast per acquisition | Determine feasibility/practicality of pro-forma | Assess exit strategy