LIFESTAR
INSURING A BRIGHTER FUTURE FOR U.S. SENIORS
LifeStar Advisors: an Emeritus International Group Company
INSURING A BRIGHTER FUTURE FOR U.S. SENIORS
LifeStar Advisors: an Emeritus International Group Company
Life Settlements - The Asset Class Defined
The U.S. Senior Life Settlement Market, also known as the Secondary Market for Life Insurance, has been in existence for over 20 years.
U.S. Seniors can now sell their life insurance policies if they meet certain criteria. The Life Insurance Secondary Market provides an opportunity for Seniors to get a cash payment for their life insurance policies vs. simply letting the policy coverage lapse.
This is a critically important alternative for seniors that no longer need the protection of life insurance coverage. By selling their life policies, Seniors can receive additional funds for purposes such as medical expenses as well as a diverse spectrum of financial needs and objectives.
LifeStar Advisors brings unique qualifications to the life settlement industry. With a team representing 200 plus years experience in the life settlement, medical underwriting, and risk management/insurance industries, LifeStar provides essential core values that optimize our U.S. Senior clients' financial goals and objectives.
Everyone has unique financial needs. Call us today for a personalized assessment and find out how LifeStar can assist you in the sale of your life insurance policy.
As a U.S. Senior, selling your life insurance policy can be a challenging experience. This important fact is not reflected in current industry advertising campaigns, which suggest that selling a life insurance policy can be accomplished rather easily. Regrettably, this is frequently not the case.
The life settlement investor market is both unique and complex, with sales dynamics closely mirroring those found in the global real estate market. Just as is the case with real estate, Senior life insurance policies (SLPs) are effectively illiquid assets, with pricing subject to typical economic cycles of supply and demand. Further, most of the investors for SLPs are based outside the U.S., placing a premium on the comprehensiveness and depth of the relationships developed by insurance market representatives such as LifeStar.
To underscore this point, LifeStar and its affiliate company, Emeritus International Group, have been in the business of representing U.S. Seniors in the secondary market since 2001, developing an important industry reputation based on innovation, integrity and successful market performance for our clients.
U.S. Seniors today face a growing list of financial challenges against increasing costs and a dynamic investment environment. The resulting pressure on seniors can not only accelerate but can intensify, particularly late in life. Selling a life policy can provide an important element of financial security that may have not been previously considered.
To accomplish this important objective, LifeStar has been in the business marketing life insurance policies for Seniors since 2001. Throughout our history, LifeStar has always led with a customer-first focus and has developed extensive and unparalleled expertise and qualifications. At the core of our capabilities has been the development of a large group of global investors that are ready to purchase U.S. Senior Life Policies.
These and other key elements make LifeStar the preferred Life Insurance Secondary Market advisor for U.S. Seniors. LifeStar also provides an independent approach to the U.S. Life Settlement market, resulting in a comprehensive competitive bidding process, the best possible price for our U.S. Senior clients.
LifeStar is your Independent Life Settlement Advisor.
CEO / Managing Partner
After over 20 years of senior executive management experience spanning both private and public / international companies, Lay founded The Emeritus Group in 1995 providing IT systems design and development services to private clients and Fortune 500 corporations. Beginning late in 2001, Emeritus focused its efforts on the emerging U.S. Life Settlement industry. As a result, Emeritus was the first company to develop a life settlement portfolio econometric analysis and management system (Paradigm) in 2004. The company today is a recognized leader in the design and development of insurance-linked securities and life settlement structured portfolios. LifeStar Advisors represents an extension of Emeritus’ longstanding industry experience and is focused on policy sourcing for the international investor market. Lay has also held senior corporate management positions with NV Philips, Eindhoven, Netherlands and Affiliated Distributors, King of Prussia, PA, and most recently served as Chairman and CEO of Emeritus Capital Partners, LLC – New York. Lay is member of the Illuminating Engineering Society, NA and has been an advisor to the University of Tennessee (UTK) College of Arts and Sciences in various capacities since 1974.
COO / Managing Partner
Andrew Murphy has been a principal of the commercial real estate finance firm The Murphy Agency LLC for over 25 years. The firm is also a licensed insurance broker, affiliated with Allstate Insurance Company. Murphy has been awarded numerous Allstate honors. He is also a co-developer and principal of Lawyers Financial Corporation, a mortgage, legal settlement, and title insurance company based in New York and Virginia. Murphy is also founder of M-Agency LLC, a specialty consulting firm providing international insurance underwriting products and services. He is currently a managing partner at Emeritus International Group in New York also serves on the board of Agristructure LLC in Oregon. Andrew is presently Founder and CEO of Adriatik Resources Limited and Adriatik Resources ALB Limited, an advanced material specialty firm in U.S., EU, and Albania.
CFO / Managing Partner / Director - Medical Evaluation Services
William (Bill) Burkhart is a third generation physician with extensive senior care experience. A founding member of East Tennessee’s Summit Medical Group, one of the largest primary care organizations in the US, Dr. Burkhart has amassed a prestigious career history, which includes holding numerous professional service and medical executive management positions within the State of Tennessee.
Some of these include:
St. Mary’s Hospital / Knoxville, Tennessee – Member: Board of Directors and Chief of Medical Staff, longstanding Chairman: Pharmacy and Therapeutics Committee, Board Chairman: Heritage National Health Plan, Board Member: Tennova Healthcare / State of Tennessee, Medical Director: Camellia Home Healthcare and Hospice, and is an Adjunct Professor of Medicine with Lincoln Memorial University (LMU) and The University of Tennessee Medical Schools.
Dr. Burkhart is certified by the American Board of Family Medicine, is a member of numerous local, state and national medical organizations, and is Chairman of the Deans Advisory Board: The University of Tennessee / College of Arts and Sciences (UTK).
Join us to hear about life settlement industry news exclusively for tax and wealth management professionals.
Monday - Friday: 9am - 5pm
Saturday: 10am - 2pm
Sunday: Closed
Copyright © 2020 Life Star Advisors - All Rights Reserved. LifeStar Advisors is a marketing company, not a life settlement provider. LifeStar Advisors does not represent and is not a fiduciary of the policyholder. LifeStar Advisors will refer qualified policies to independent investors.