Buy in-force life insurance policies from seniors — pay premiums, collect death benefit. 8–12% IRR uncorrelated.
Life settlement: senior policyholders (typically 70+, impaired health) sell their in-force life insurance policies for 15–30% of face value (more than surrender value from carrier). Investor pays remaining premiums until insured passes, then collects death benefit. Returns 8–12% IRR, uncorrelated to markets/RE/rates. Access via specialty funds (Vida Capital, Emergent Capital) or direct via life settlement brokers (Coventry). Requires actuarial modeling of longevity risk. Some tax-advantaged treatment via qualified accounts.
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Lend directly to real estate investors on 1st-lien trust deeds — 8–14% yield secured by real property at 60–70% LTV.
Buy B2B invoices at 90–95% face — collect full value 30–90 days later. Effective yield 25–60% annualized.
Fund small businesses at 1.15–1.35× via receivables purchase — 30–90 day payback, 25–50% IRR (ethical caps).
Provide the down-payment + rehab gap to fix-and-flip investors — 12–18% + 2–4 points on 4–6 month bridge.
Invest as LP in interval funds and BDCs — 9–12% yield on institutional private-credit portfolios.
Buy whole-loan portfolios directly from P2P platforms — 6–12% net yield with algorithmic underwriting.