Take Back Your Time and Build Wealth on Your Terms

Why Physicians Feel Financially Stuck

"You’re a high achiever, yet when it comes to finances you may feel “drowning in debt”

Years of training and student loans can leave even well-paid physicians feeling “so far behind [your] peers… It’s depressing.”

kevinmd.com

You work long hours helping patients, but have little time to navigate complex investments. The result? Many doctors stick to the same old stock/bond portfolio, hoping it’s enough, all while feeling “shackled to [your] career by golden handcuffs.”

themotivatedmd.com

Lifestyle costs, hefty loan payments, and high taxes (hello, California!) mean you must keep working hard just to maintain the status quo.

Meanwhile, the stock market’s wild swings and today’s low yields leave you anxious about your financial future.

It’s not uncommon to think “What if I make a bad move and lose it all?” In fact, a common fear we hear is “I’m going to make a horrible decision and lose a lot of money.”

passiveincomemd.com

Bottom line: the traditional path (clinical income + basic 401k investing) isn’t giving you the freedom or confidence you want. But what if there were a way to make your money work as hard as you do, without requiring a lot of your time or adding stress?

A Simple Opportunity for California Physicians

Does this make sense for a PORTION of your investment strategy?

"Sleep Well At Night" Growth

Regulated by the State of California.

Use the Medical Skills You Already Have to Evaluate This Investment

True Diversification, Unlinked to Other Markets

Double-Digit Growth Potential with minimal fees, if any.

No "Assets Under Management" (AUM) Fees Here.

How Does This work?

Here’s how it works: Some people with life insurance policies choose to sell them for a cash payout while they’re still alive. They might do this because their need for cash now exceeds their need for the policy.

Others might choose to cash out a term policy with a conversion option but no cash value. There are many reasons that people might sell a policy. Investors provide these seniors with the cash they want more than their policy.

Traditionally, these policies have been pooled and resold to qualified buyers, usually to large, institutional investors like big banks, hedge funds, or large investors like Warren Buffett. This market has been active for more than a hundred years.

The State of California passed a law in 2000 that regulates these investments. Individual investors may purchase shares in these policies, which are called "Life Settlements" after the policy is bought by an investor. However, this offering is only available to residents of this State.

My business works with a company in California that offers shares in small portfolios of Life Settlements to individual investors. If you're a California resident and have the resources to invest (qualifications are listed in the FAQ section), you can buy shares in a portfolio of five policies. This would provide you with a share of the death benefit when each policy "matures."

The reason I say that Physicians can use the medical skills they already have to evaluate this investment is because the life expectancy report produced by a third party is based on medical information summarized in the paperwork. In this way, you can judge for yourself the accuracy of their estimates.

This is not a stock, bond, or publicly traded security – and the return is unlinked to any other investment markets.

For information about potential returns and expenses, please join us for our next webinar.

Frequently Asked Questions (FAQ)

What is Diversifaction.com?

This is the website for a licensed business that offers life insurance-related products, including our primary product, Life Settlement shares. We are passionate about helping the many hard-working California Physicians overcome some of the obstacles affecting their practices in a very complicated world.

My passion has peaked after enduring a two-year battle with colon cancer when my doctors played such an important role in saving my life..

Are there any risks involved with this investment?

All investments offer some level of risk and ours is no different. The primary risks are longevity and liquidity. Some of the policies will "mature" sooner than expected and some will mature later than expected.

Longevity risk refers to the possibility that an insured person lives much longer than expected, which might require investors to wait for their payout and might even create the need for investors to add additional cash to cover policy maintenance costs.

Liquidity refers to the fact that this investment is not liquid. Profits are paid out as the policies mature, not before. Because of this, we do not allow our investors to put more than 10-20% of their total capital into this investment.

Is this investment regulated by the SEC or FINRA and is it considered a "security?"

This investment is not currently regulated by a Federal agency. This investment is regulated by the California DFPI. It is considered an "exempted security." It's available to residents of this State. Advisors must have a California Life Insurance License to offer this product.

Is this investment insured by any government agency?

No. It is regulated by the California DFPI (Department of Financial Protection and Innovation) and is secured by high-quality life insurance policies issued by major companies. All policies we acquire are at least two years old to avoid contestability by the insurance company.

How much will I make with this investment?

Each of the five policies in a portfolio will mature separately and the death benefit will be paid out soon after. The pricing is based on the expected longevity, not the actual maturity. Since we can't know precisely when each policy will mature, the pricing makes things simpler.

For example, if the expected longevity is five years, this policy will return 5X12% or 60% profit when it matures. This is true whether the actual maturity is 5 years, 3 years, or 8 years. This is true for each policy in the portfolio.

So, our investors will know from the start how much they will make, in most cases, on each of the policies, but won't know exactly when they will mature. However, this payout is not guaranteed. See the question on the risks to understand what might affect this.

Do I need to be considered an accredited Investor to qualify for this investment?

Yes, there are financial qualifications. The most basic is a net worth of $250,000 OR $150k net worth COMBINED with $100k of income last year and $100k or more (reasonably expected) for this year, with net worth being exclusive of their primary home, cars and home furnishings . Most doctors over 35 years old will probably qualify.

Funds may come from either Qualified or non-Qualified accounts.

Get in Touch with Us

Learn all about this investment by attending our next webinar. Use the button below and let us know you'd like to be notified.