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How Substantial Are the Benefits of the Life Insurance Secondary Market for Policyholders, and Insurers?

July 1, 2008

ISI provided a $100,000 grant to launch this research project, conducted by the Center for Retirement Research at Boston College. This study undertakes an empirical and theoretical analysis of the benefits that a market for life settlements offers to current and prospective policyholders. It further examines the potential effects of life settlements on the economics [...]


ISI provided a $100,000 grant to launch this research project, conducted by the Center for Retirement Research at Boston College. This study undertakes an empirical and theoretical analysis of the benefits that a market for life settlements offers to current and prospective policyholders. It further examines the potential effects of life settlements on the economics of underwriting life insurance; and, it utilizes its theoretical model to estimate the consequences of regulations that limit life settlements on policyholders’ welfare.

How Substantial Are the Benefits of the Life Insurance Secondary Market for Policyholders, and Insurers?

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Insurance Studies Institute Partners with Boston College

June 16, 2008

Keystone, Colorado ( June 16th, 2008) – The Insurance Studies Institute (ISI) forges a partnership with the Center for Retirement Research at Boston College (CRR), to study the benefits and impacts of the Life Settlements Market. Read the Press Release: ISI Partners with Boston College


Keystone, Colorado ( June 16th, 2008) – The Insurance Studies Institute (ISI) forges a partnership with the Center for Retirement Research at Boston College (CRR), to study the benefits and impacts of the Life Settlements Market.

Read the Press Release: ISI Partners with Boston College

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Taxation of Life Insurance Policies in an Evolving Secondary Marketplace

March 3, 2008

Provides a brief overview of the taxation associated with both traditional and evolving third party life insurance transactions. It also takes a look at the differing methods for tax basis computation endorsed by the IRS in 2008, and highlights the potential impact on life insurance premium finance. Research Brief: Taxation of Life Insurance Policies in [...]


Provides a brief overview of the taxation associated with both traditional and evolving third party life insurance transactions. It also takes a look at the differing methods for tax basis computation endorsed by the IRS in 2008, and highlights the potential impact on life insurance premium finance.

Research Brief: Taxation of Life Insurance Policies in an Evolving Secondary Marketplace

Full Paper: Taxation of Life Insurance Policies in an Evolving Secondary Marketplace

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Introduction to Methodologies Used to Price Life Insurance in Life Settlement Transactions

February 11, 2008

Provides a general overview of the deterministic and probabilistic pricing methodologies, and the application of the common contributing factors in determining the price of life insurance policies for life settlements in the secondary market. This paper does not venture into an analysis or review of the internal economics provided by life insurance policies. Research Brief: [...]


Provides a general overview of the deterministic and probabilistic pricing methodologies, and the application of the common contributing factors in determining the price of life insurance policies for life settlements in the secondary market. This paper does not venture into an analysis or review of the internal economics provided by life insurance policies.

Research Brief: Introduction to Methodologies Used to Price Life Insurance in Life Settlement Transactions

Full Paper: Introduction to Methodologies Used to Price Life Insurance in Life Settlement Transactions

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Understanding Life Settlements and Industry Issues Entering 2008

January 22, 2008

ISI’s inaugural research project, Understanding Life Settlements and Industry Issues Entering 2008, sought to provide a practical framework for understanding the Life Insurance Secondary Market (LISM). Further, this paper identified a range major issues facing the LISM at the beginning of 2008, from the tax revenue aspects of life settlements to insurer concerns and regulatory [...]


ISI’s inaugural research project, Understanding Life Settlements and Industry Issues Entering 2008, sought to provide a practical framework for understanding the Life Insurance Secondary Market (LISM). Further, this paper identified a range major issues facing the LISM at the beginning of 2008, from the tax revenue aspects of life settlements to insurer concerns and regulatory oversight.

Research Brief: Understanding Life Settlements and Industry Issues Entering 2008

Full Paper: Understanding Life Settlements and Industry Issues Entering 2008

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Proposed Projects and Events

January 2, 2008

Future projects and events are dependent upon ISI’s fundraising success. All of the following proposals hold great potential for generating meaningful industry data, and we welcome the opportunity to partner academically and/or financially to boost each project’s viability:


Future projects and events are dependent upon ISI’s fundraising success. All of the following proposals hold great potential for generating meaningful industry data, and we welcome the opportunity to partner academically and/or financially to boost each project’s viability:


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Insurance Concepts Forums

January 1, 2008

The Insurance Studies Institute (“ISI”) hosted its first Insurance Concepts Forum in the spring of 2009. Participants included twenty seven leaders from academia, government, investment sectors, and the life settlement industry. Future forums may be similar in structure but may focus on diverse subjects and issues affecting any of the many insurance paradigms. Also, if [...]


The Insurance Studies Institute (“ISI”) hosted its first Insurance Concepts Forum in the spring of 2009. Participants included twenty seven leaders from academia, government, investment sectors, and the life settlement industry. Future forums may be similar in structure but may focus on diverse subjects and issues affecting any of the many insurance paradigms. Also, if critical insurance developments or issues necessitate a focused think-tank, ISI will host smaller, targeted gatherings that bring together stakeholders seeking to address and resolve issues. Current specific forum events may include the following. Others are in various stages of conception.

Insurance Concepts Forums


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Education and Symposiums

The Insurance Studies Institute (“ISI”) seeks to support educational symposiums where compelling research is presented, insurance special interests are educated, and general insurance related knowledge is enhanced. Further, ISI endeavors to support independent PhD research that expands on the diverse subjects and issues affecting the many insurance paradigms. ISI will offer this support in the [...]


The Insurance Studies Institute (“ISI”) seeks to support educational symposiums where compelling research is presented, insurance special interests are educated, and general insurance related knowledge is enhanced. Further, ISI endeavors to support independent PhD research that expands on the diverse subjects and issues affecting the many insurance paradigms. ISI will offer this support in the form of grants, awards, and project sponsorship.

Education and Symposiums


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Changing Longevity After Age 65

Gather data to examine the factors that impact the optimization of healthy aging and longevity. Use the data to study: a. how changing longevity patterns might alter seniors’ needs for certain insurance products (life insurance, long-term care insurance, disability insurance, etc…); b. how changing longevity may impact future life settlement transactions; and c. characteristics of [...]


Gather data to examine the factors that impact the optimization of healthy aging and longevity. Use the data to study: a. how changing longevity patterns might alter seniors’ needs for certain insurance products (life insurance, long-term care insurance, disability insurance, etc…); b. how changing longevity may impact future life settlement transactions; and c. characteristics of seniors who are prone to undertake living practices that tend to extend life expectancy versus those who are prone to maintain living practices that tend to shorten life expectancies.

Changing Longevity After Age 65


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Liability Driven Investing

This study will analyze how pension, annuity and other insurance based risk management practices could/should utilize investments to match risks and returns with liabilities of annuities, death benefits, casualties, etc., to reduce reserve requirements while assuring fulfillment of future payment obligations.


This study will analyze how pension, annuity and other insurance based risk management practices could/should utilize investments to match risks and returns with liabilities of annuities, death benefits, casualties, etc., to reduce reserve requirements while assuring fulfillment of future payment obligations.


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