Consultancy
Help for anyone involved in life insurance and longevity markets
Our customers value us for the quality of our products, the consistency of our service and our problem-solving abilities.
We offer a range of consultancy services to those involved, or looking to become involved, in life insurance and longevity.
We work with companies, charities and general agencies to identify and release value held in life insurance policies. We also work with charity fund-raising teams to design donor programmes connected with life insurance.

How can we help you
Choose a service below to find out more
Single policy valuation
Ahead of bringing a policy to the life settlements market, agents and brokers may wish to understand the value of the policy.
We value the policy and provide a range of possible values which the policy may attract.
We can also help to identify aspects of the policy which may pose risks to your investment.
Third party portfolio valuation
We can provide an independent valuation for your portfolio of life settlements or mortgage loans.
We start by agreeing valuation criteria with you and provide a periodic valuation report for your portfolio as and when required.
Case study: Third party portfolio valuation
We worked with a UK-based pension fund to develop valuations for a small portfolio of life settlements before they were taken to market.
The valuation project included an assessment of the documents surrounding each policy, which helped the fund to address shortcomings in the documentation before the policies were taken to market.
Business consultancy
We help you to understand the complexities of a new market, or to improve upon policies and procedures you already have in place.
Case study: Business consultancy
We worked with a new life settlements fund to develop a methodology for valuation and performance measurement which would pass muster with their auditors – a leading international practice.
We provided a written methodology, supported by models, to enable the fund to move forward with its fundraising plans.
Risk/performance analysis
We work with you to design risk metrics for your asset portfolio and provide you with periodic analysis to determine compliance with those standards.
Case study: Risk/performance analysis
We were contacted by a US-based life settlements fund which wanted to assess its maturity performance since inception across six different sub-funds ahead of a new fundraising programme. Timing was tight, with the final report required within three weeks.
We worked with the fund to upload information on all of its policies into ClariNet LS. We then conducted an audit of key data points and worked with the fund to address exceptions. The final report provided an analysis of performance by reference to two different mortality metrics, for each individual fund and for the portfolio as a whole, and was delivered in sufficient time for the fund to incorporate the analysis into its marketing materials.
Our performance led to us being re-engaged to update the analysis a few months later.
Litigation consultancy
Not all ventures into the longevity markets end happily.
We work with investors to build reports to senior management exploring the sequence of events which lead to misadventure.
We can then work with law firms to provide pre-litigation reports and, if required, expert witness reports and testimony.
Case study: Litigation consultancy
We were contacted by a large European pension fund which had seen several million dollars eroded from investments linked to life settlements. The investments had a derivatives overlay, so we were able to use our background in derivatives structuring to unpick the transactions and explain the course of events which had led to the sharp drop in value.
We then worked with the fund to brief its external legal advisers in preparation for litigation. We have also worked with several US and European law firms to provide valuation reports and other services in connection with proposed and ongoing litigation.
Structuring
Our background in asset management and securitization qualifies us to help you build debt structures around your asset portfolio, to help you secure long term funding or to recycle capital.
We can help with the initial design of debt structures and the monitoring of performance targets after execution.
Case study: Structuring
We were approached by a ClariNet LS subscriber which wanted to release capital from its life settlements portfolio to deploy elsewhere in its business. We contacted several different lenders and worked with the subscriber to prepare a terms sheet.
We worked with the lender and our client to agree the final terms and we prepared several reports for our client to assess the risk and returns arising from the retained equity position in the portfolio, using the valuation and Monte Carlo models incorporated in ClariNet LS. The transaction was executed within four months of first contact and led to us being engaged by the lender to work on the analysis of subsequent deals involving other borrowers.
Bespoke development
We work with existing and prospective subscribers to ClariNet LS to develop new functionality and improve existing features.
We can build fully customised reporting templates for you, using the Export Templates scriptable reporting engine in ClariNet LS. We can assist you with accessing and updating information stored in your ClariNet LS accounts through our API functionality.
How consultancy works
Step 1
Get in touch with us to talk about what you need help with. You’ll speak with one of our directors about your requirements.
Step 2
We’ll design a solution for you around your needs, we’ll raise any risks and other considerations based on our experience with other clients.
Step 3
We’ll provide you with a quote for your solution and a timeline, We’ll confirm who’s working on your project. You’ll know exactly how much it will cost and how long it will take.
Step 4
Once you’re happy with the quote we’ll sign an engagement document and begin work.
Step 5
We’ll complete your project, updating you as we go on progress. We’ll support you at every stage with any questions you have.
Step 6
All our consultancy work completes with actionable output for you to own. We’re always here if you need further help.