Investable Life Settlement Cases

Why buy through a broker who represents the seller.

Windsor represents the policyowner and runs a competitive process. Buyers should understand exactly what that means, so we will say it plainly.

It does not mean discounted policies. A competitive process is designed to find the market price, and it usually does. Anyone telling you their brokered cases are cheap is either not running a real process or not telling you the truth.

What it means is that the expensive part is already done. Acquiring policyowners costs real money. Most of our inquiries do not qualify. Assembling a complete file takes weeks of medical record requests, carrier correspondence, and underwriting coordination. That work happens before a case ever reaches you.

It also means the price reflects the actual market rather than one desk's estimate. A file that has cleared a competitive process has been valued by everyone who looked at it.

For buyers with capital to deploy and no appetite for running an origination operation, that is the trade.

What arrives with a case.

Every file that goes to market has already been assembled and verified. A complete file includes the policy documents and a current in-force ledger, a carrier illustration, life expectancy reports, medical records, ownership and beneficiary verification, contestability status, and premium projections.

Windsor handles origination, medical record collection, life expectancy ordering, policy verification, and ownership confirmation before a case is shown. Buyers underwrite and price from a complete file rather than building one.

We will tell you which underwriters produced the life expectancy reports and how current the medical records are. Both matter, and neither should have to be asked for.

How a transaction works.

Windsor introduces a case that matches your criteria and sends the file. You take a diligence window to review it and run your own underwriting. If you bid, and if your offer prevails, the transaction moves to contract, escrow, and transfer of ownership and beneficiary designation. Funds release at closing. Servicing transfers to you or your administrator.

Windsor coordinates the seller side throughout: document execution, carrier forms, and the rescission period required in the seller's state. Buyers handle their own underwriting, pricing, and funding.

Timelines vary by carrier and by state. We will give you a realistic estimate on any specific case rather than a general promise.

Who this is for.

Family offices, fund managers, and private investors with capital that can stay committed and the ability to underwrite mortality-linked assets.

If you are looking for a managed product, a fund, or someone to make the investment decision for you, Windsor is not it. Buyers here do their own underwriting.