What are Life Settlements?
Am I eligible?
What Options Do I Have?
Is It Right For Me?
Why Should I Consider It?
How Much Can I Make?
Are There Tax Issues?
What Is The Process?
What Should I Prepare?
What Should I Look For?
How Do I Start?
Where Can I Learn More?
Regulatory bodies and Information sources for Life…
Life Settlement Funds
Your Life Settlement Questions. Answered.
How To Squeeze Cash Out Of Thin Air During The Credit…
Value for Creditors? The Hidden Potential in Life…
The Stranger Among Us - Betting on strangers' life…
Glossary of Life Settlement Terms, Part 2
Glossary of Life Settlement Terms, Part 1
Life Settlements: Their Creation and History
The CSF System Promises to Revolutionize the Life…
The new tool all financial and estate planners are…
Finding the True Cash Value in Your Insurance Policy…
Online Marketplace for Life Settlement Transactions…
In The Press: New Web Portal Launches to Reach Consumers…
In The Press: LiveSettlements.net Delivers Independent…
Identify your risks, increase your rate of return.
Deciphering the Life Settlement Process
Death and Taxes? You can be certain!
Alternatives? What other choices do I have?
Baby boomers! Can't wait for that perfect vacation?…
Exceeding Expectations. Enjoy the perfect retirement.…
Pressured by your premiums? Sell your life insurance…
Important tool for insurance agents: Life Settlements…
Prosper on the secondary market: A new solution for…
Selling yourself short? The other side of Life Settlements.…
Kudos! Selling your insurance policy is a walk in…
Senior citizens! New business model focusing on on…
How to cheat death, or at least make a buck out of…
The viatical fraud, how modern medicine changed everything…
Sudden change in health? New solution to help pay…
Win-Win situation? Who's the big loser? (Part 4 of…
Lawmakers take notice: NAIC revises Life Settlement…
SOLI - Stranger Owned Life Insurance (Part 5 of 11)…
Does this suit you? (Part 6 of 11)
Terrified by unscrupulous agents? Focus on insurable…
Illegal rebating. Guard against malpractice (Part…
Who ends up owning your life? (Part 9 of 11)
Too good to be true? The hated tax issue. (Part 10…
Free money for the wealthy. Liquidity for the underpriviledged.…
Examples of how a Life Settlement can help you


















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21st Services
200 South Sixth Street
Suite 350
Minneapolis
MN
55402
www.21stservices.com
inquiries@21stServices.com
21st Services produced the first-ever software program for evaluating life expectancies for impaired senior insured individuals. This innovative product helped transform the evaluation process from a subjective "guess" to a more objective, consistent methodology.
Since then, 21st Services has continued to innovate and refine the evaluation process. Based in Minneapolis, Minnesota, we offer quality diagnostics through a network of consulting physicians and cutting-edge proprietary software that provides industry-leading senior diagnostics.
Underwriting
A multi-step process that is consistent and comprehensive in its approach to senior life expectancy evaluation. As part of that process, a contracted medical professional and in-house underwriting experts review all medical files and other relevant data to arrive at a determination that is, in turn, subjected to a rigorous quality assurance review.
Mortality Tracking
21st Services excels in the post-purchase mortality monitoring of insured individuals throughout North America, Europe, the Pacific Rim and Latin America. Generally, this on-going process is done quarterly through the insured's physician, with the insured individual directly or through their designated contacts.
Death Claim Submission and Collection
21st Services will notify the Client and insurer of an insured's death, and arrange to obtain a death certificate and other documentation, prepare forms, route materials to the appropriate parties for review and facilitate other communications as necessary. We have filed claims in the United States, the United Kingdom, and Germany, and we have secured satisfactory proof of death in a variety of international circumstances. To date 21st Services has had 100 percent positive claims experience.
Premium Payments and Premium Monitoring
21st Services can make premium payments from a dedicated account funded by the client or simply monitor and confirm receipt of payments made by the Client or another party. Premiums payments can be projected on a forward-looking basis to allow the Client to make cash flow projections and, when desirable, to make premium payments in advance.
Updated Medical Records
For insureds under active mortality tracking, 21st Services will at our Client's request, update medical records where a valid medical release exists and transition the new records directly into the life expectancy re-evaluation system.
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80 Year Old Female
$400,000 Universal Life
$0 Surrender Value
Paid: $68,000
68 Year Old Male
$600,000 Universal Life
$29,845 Surrender Value
Paid: $94,000
73 Year Old Male
$1,000,000 Universal Life
$3,500 Surrender Value
Paid: $52,183
PolicyOptions Acquires Golden Gateway's Life Settlement Business - The Life Settlements Wire
29 July 2010, 1:08 am
Life settlements are DOA as an investment - MarketWatch
28 July 2010, 9:01 pm
Life Partners to Hold Annual Shareholders' Meeting - MarketWatch (press release)
28 July 2010, 1:07 pm
PolicyOptions Acquires Life Settlement Division of Golden Gateway Financial, Inc. - PR Web (press release)
28 July 2010, 8:19 am
Oxford Life Unveils New Medicare Supplement Insurance Plans - PR Newswire (press release)
28 July 2010, 5:02 am
Head Announces Retirement from LISA at End of Year - The Life Settlements Wire
28 July 2010, 1:03 am
Absolute Life Settlements Starts Business, Buys $10M in Policies - The Life Settlements Wire
28 July 2010, 1:03 am
States pitted against federal regulators over life settlements - InvestmentNews
26 July 2010, 2:03 pm
Congress Should Define Life Settlements as Securities, SEC Report Says - The Life Settlements Wire
23 July 2010, 1:19 am
Life Settlements in U.S. May Have High Fees, Lack Transparency, GAO Says - Bloomberg
21 July 2010, 9:34 pm
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