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Insurance Studies Institute

Operating from Keystone, CO and Minneapolis, MN, ISI is a 501(c)(3) organization dedicated to facilitating and promoting innovative research for the purpose of creating knowledge, sharing information and enhancing understandings of insurance based risk management affecting socio-economics in a free market economy.


The Emerging Alternative Investment “Life Insurance Assets” written by Edward S. Adams

May 1, 2013

This Paper explores the operation, advantages and potential disadvantages of life insurance asset investing. In doing so, the Paper first surveys differing categories of investments that are available to investors and concludes that life insurance assets should be included as an alternative investment. The Paper then considers how life insurance functions and how the life [...]


This Paper explores the operation, advantages and potential disadvantages of life insurance asset
investing. In doing so, the Paper first surveys differing categories of investments that are available to investors
and concludes that life insurance assets should be included as an alternative investment. The Paper then
considers how life insurance functions and how the life insurance policy may be sold as personal property. Third,
the Paper provides a brief history of the life insurance secondary market and who are likely candidates for life
insurance settlements. Finally, the Paper concludes by advocating why life insurance assets may offer a viable
alternative investment for an investor to diversify his or her portfolio as part of a holistic investment approach.

The Emerging Alternative Investment – Life Insurance Assets

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ISI Announces Wharton Symposium on Financial Reform

January 27, 2011

Keystone, Colorado  (January 27, 2011) – In 2010, the Insurance Studies Institute (ISI) partnered with Professor Kent Smetters of The Wharton School to develop an optimal design for a Systemic Risk Regulator system. The ongoing project examines how the recent economic turmoil exposed gaps in the regulatory system and studies options for constructing an improved [...]


Keystone, Colorado  (January 27, 2011) – In 2010, the Insurance Studies Institute (ISI) partnered with Professor Kent Smetters of The Wharton School to develop an optimal design for a Systemic Risk Regulator system. The ongoing project examines how the recent economic turmoil exposed gaps in the regulatory system and studies options for constructing an improved regulatory model that: 1) can be reliably utilized by those responsible for catastrophic risk management; and 2) can promote financial stability among financially interdependent institutions.

Professor Smetters recently hosted a symposium at The Wharton School, entitled, “Financial Reform: What is it? Will it work?  Why should you care?” The ISI-sponsored project was showcased as one of the core readings and formed the basis for several student-led research projects.

This intensive, five day “mini” course was held January 3 – 7, 2011 and featured content rich in analysis of the Dodd-Frank Act, which virtually rewrites the regulatory landscape of financial services in the United States.  An outstanding array of speakers tackled all angles of this complex subject matter, and presented the issues in an accessible, practical way.

Read the entire press release: ISI Press Release: Wharton Symposium, Jan. 2011

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Overview of the Life Insurance Secondary Market from an Investment Perspective

October 29, 2010

Insurance Studies Institute (ISI) is very pleased to publish the 9th edition of the Life Insurance Settlement Series: “Overview of the Life Insurance Secondary Market from an Investment Perspective.” By analyzing salient media articles published over the last 12 months, ISI has attempted to identify trends affecting the Life Insurance Secondary Market (“LISM”).  Over 65 [...]


Insurance Studies Institute (ISI) is very pleased to publish the 9th edition of the Life Insurance Settlement Series: “Overview of the Life Insurance Secondary Market from an Investment Perspective.”

By analyzing salient media articles published over the last 12 months, ISI has attempted to identify trends affecting the Life Insurance Secondary Market (“LISM”).  Over 65 investor-related articles and papers were studied, and five main themes were recognized and fleshed out:

  • General Developments in the LISM
  • The Landscape of the Financial Markets
  • Investments and Available Capital in the LISM
  • Securitization of Life Insurance Settlements
  • Best Practices and Standards

Conclusion?  While the economic recession and other factors have resulted in recent pull-back of investor capital, the LISM “asset class” remains vibrant and appears to be maturing, gaining strength,  and moving in pioneering directions.

Life Insurance Settlement Series Volume IX: Overview of the Life Insurance Secondary Market from an Investment Perspective

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ISI to Present at November 2010 LISA Conference

October 25, 2010

Paul Siegert, ISI President & CEO, is scheduled to speak at LISA’s 16th Annual Fall Life Settlement Conference -  Thursday, November 11th, in Miami Beach, FL.  Mr. Siegert will take an unconventional look at the challenges facing the Life Insurance Secondary Market (LISM) today, in a presentation titled: Public Relations and Headline Risks.  The presentation [...]


Paul Siegert, ISI President & CEO, is scheduled to speak at LISA’s 16th Annual Fall Life Settlement Conference -  Thursday, November 11th, in Miami Beach, FL.  Mr. Siegert will take an unconventional look at the challenges facing the Life Insurance Secondary Market (LISM) today, in a presentation titled: Public Relations and Headline Risks.  The presentation asks (and answers) the question, “What must the LISM do to take control its destiny?”

Tentative Conference Agenda: 16th Annual Fall Life Settlement Conference

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A Critique of the GAO Life Settlement Survey Data

September 15, 2010

Insurance Studies Institute (ISI) is pleased to provide you with the 8th volume of the Life Insurance Settlement Series: “A Critique of GAO Life Settlement Survey Data.”    The purpose of this paper is to evaluate and to put into perspective the survey data collected from the life insurance settlement market (“LISM”) by the Government [...]


Insurance Studies Institute (ISI) is pleased to provide you with the 8th volume of the Life Insurance Settlement Series: “A Critique of GAO Life Settlement Survey Data.”   

The purpose of this paper is to evaluate and to put into perspective the survey data collected from the life insurance settlement market (“LISM”) by the Government Accountability Office (“GAO”).  ISI’s analysis reveals that in a broad sense, the GAO survey data does support the belief that the LISM provides substantial value for those seniors fortunate enough to learn about it.  However, several vital points of information are missing from the report, and the ever-changing nature of the industry has left many important issues unresolved – issues that are frustrating investors and materially hurting seniors who need liquidity now.

Life Insurance Settlement Series Volume VIII: A Critique of GAO Life Settlement Survey Data

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Surveys of Seniors Reveal Roadblocks to Reliable Life Settlement Information

September 7, 2010

Insurance Studies Institute (ISI) is pleased to publish the 7th edition of the Life Insurance Settlement Series: “Surveys of Seniors Reveal Roadblocks to Reliable Life Settlement Information.”   This research involved an analysis of the decision-making behavior of consumers who chose to purchase life insurance, and the results reveal that the life insurance settlement option is [...]


Insurance Studies Institute (ISI) is pleased to publish the 7th edition of the Life Insurance Settlement Series: “Surveys of Seniors Reveal Roadblocks to Reliable Life Settlement Information.”   This research involved an analysis of the decision-making behavior of consumers who chose to purchase life insurance, and the results reveal that the life insurance settlement option is a missed opportunity for many.  “Roadblocks” prevent consumers from obtaining the forthright and comprehensive information that they need to investigate this option, and those hindrances include: insurer interference, media bias, and inferior industry education.   ISI asks: will stakeholders of the life insurance secondary market step up to the task of educating senior consumers?

Life Insurance Settlement Series Volume VII: Surveys of Seniors Reveal Roadblocks to Reliable Life Settlement Information

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Part III of Three Part Series: Alternative Risk Transfer – The Convergence of the Insurance and Capital Markets

August 11, 2010

Insurance Studies Institute (ISI) is pleased to release Part III of a three part series, “Alternative Risk Transfer: The Convergence of the Insurance and Capital Markets.” Part III, entitled “Utilization of Life Insurance-Linked Securities,” investigates how individuals, financial entities and government agencies manage longevity/mortality risks, and how the capital markets  -  via life insurance-linked securities [...]


Insurance Studies Institute (ISI) is pleased to release Part III of a three part series, “Alternative Risk Transfer: The Convergence of the Insurance and Capital Markets.”

Part III, entitled “Utilization of Life Insurance-Linked Securities,” investigates how individuals, financial entities and government agencies manage longevity/mortality risks, and how the capital markets  -  via life insurance-linked securities –  have helped to revolutionize risk management techniques.

Part I of this series provided a macro-level analysis of the insurance-linked security asset class, and Part II took an in-depth look at the non-life insurance-linked security sector.  Together, the three parts of this research series examine how the coalescence of the insurance and capital markets has produced an array of innovative risk management tools that allow for the hedging of risks that were previously thought to be uninsurable. 

Part III of three part series: Alternative Risk Transfer, The Convergence of the Insurance and Capital Markets

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Evolution of Life Expectancies in the Life Insurance Secondary Market…Current Trends and New Developments

August 4, 2010

With the gracious support and assistance of many Life Expectancy (LE) Underwriting professionals, the Insurance Studies Institute (ISI) has compiled a history and analysis of the dynamic LE industry. “Evolution of Life Expectancies in the Life Insurance Secondary Market…Current Trends and New Developments,” is ISI’s sixth volume of the Life Insurance Settlement Series.  This publication [...]


With the gracious support and assistance of many Life Expectancy (LE) Underwriting professionals, the Insurance Studies Institute (ISI) has compiled a history and analysis of the dynamic LE industry. “Evolution of Life Expectancies in the Life Insurance Secondary Market…Current Trends and New Developments,” is ISI’s sixth volume of the Life Insurance Settlement Series.  This publication provides readers with an in-depth look at the challenges and risks inherent to this business, the different methodologies employed by various providers, the critical nature and utilization of mortality tables, and the developments on the horizon that may increase the accuracy of LE evaluations via more sensitive and responsive systems.

Life Insurance Settlement Series Volume VI: Evolution of Life Expectancies in the Life Insurance Secondary Market

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Part II of Three Part Series: Alternative Risk Transfer – The Convergence of the Insurance and Capital Markets

July 28, 2010

Insurance Studies Institute is pleased to release Part II of the three part series, “Alternative Risk Transfer: The Convergence of the Insurance and Capital Markets.”  Part II, entitled “Non-Life Utilization of Insurance-Linked Securities,” provides an overview of the non-life insurance-linked security sector, from the first securities issued – catastrophe bonds – to derivatives and synthetic [...]


Insurance Studies Institute is pleased to release Part II of the three part series, “Alternative Risk Transfer: The Convergence of the Insurance and Capital Markets.”  Part II, entitled “Non-Life Utilization of Insurance-Linked Securities,” provides an overview of the non-life insurance-linked security sector, from the first securities issued – catastrophe bonds – to derivatives and synthetic securities.  This paper charts the developments in this sector that have created a wide avenue of risk management techniques, allowing for the hedging of risks that were previously thought to be uninsurable.

Part I of this series provided an overview of the evolution of insurance-linked securities, and Part III, to be released in August 2010, will closely examine developments in the market for life insurance-linked securities.

Part II of three part series: Alternative Risk Transfer, The Convergence of the Insurance and Capital Markets

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ISI to present Keynote Address at 4th Life Settlements and Longevity Investment Summit

July 23, 2010

Finance IQ/IQPC will host the 4th Life Settlement and Longevity Investment Summit, September 27-29 in New York City.   The all new, investor-driven program will discuss developments in regulation and taxation, innovative usesof longevity derivatives and hybrid models, the emergence of new market players, fund manager perspectives on managing downside risk, and other timely issues. Paul [...]


Finance IQ/IQPC will host the 4th Life Settlement and Longevity Investment Summit, September 27-29 in New York City.   The all new, investor-driven program will discuss developments in regulation and taxation, innovative usesof longevity derivatives and hybrid models, the emergence of new market players, fund manager perspectives on managing downside risk, and other timely issues.

Paul Siegert, ISI President and CEO, will present an afternoon keynote address, “Global Overview of Life Settlements from an Investment Perspective,” on September 29th, at 2:30 pm.

Venue to be announced soon.

Event Brochure: IQPC Event Brochure, Sept 27-29 2010

Event Website: 4th LS and Longevity Investment Summit

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