--- title: "Investment Outlook: Is 2017 the Year of Life Settlements?" description: 2017 is still the year of life settlements for several reasons, including awareness, regulation, demographics, and certainty. Learn more. image: https://www.themcgriffalliance.com/hubfs/2017.jpg --- [![McGriffAlliance_logo.png](https://www.themcgriffalliance.com/hs-fs/hubfs/images/home_page/McGriffAlliance_logo.png?width=266&name=McGriffAlliance_logo.png "McGriffAlliance_logo.png")](https://www.themcgriffalliance.com) ![bg-img11.jpg](https://www.themcgriffalliance.com/hs-fs/hubfs/images/contact_us/contactus_header2.jpg?width=1500&name=contactus_header2.jpg "bg-img11.jpg") # [Investment Outlook: Is 2017 the Year of Life Settlements?](https://www.themcgriffalliance.com/blog/investment-outlook-is-2017-the-year-of-life-settlements) ![Joel McGriff](https://www.themcgriffalliance.com/hubfs/images/about_us/joel.png) By [Joel McGriff](https://www.themcgriffalliance.com/blog/author/joel-mcgriff) - September 7, 2017 - [**](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.themcgriffalliance.com%2Fblog%2Finvestment-outlook-is-2017-the-year-of-life-settlements&t=Investment%20Outlook:%20Is%202017%20the%20Year%20of%20Life%20Settlements) - [**](https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.themcgriffalliance.com%2Fblog%2Finvestment-outlook-is-2017-the-year-of-life-settlements&text=:%202017%20is%20still%20the%20year%20of%20life%20settlements%20for%20several%20reasons,%20including%20awareness,%20regulation,%20demographics,%20and%20certainty.%20Learn%20more.) - [**](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.themcgriffalliance.com%2Fblog%2Finvestment-outlook-is-2017-the-year-of-life-settlements&title=Investment%20Outlook:%20Is%202017%20the%20Year%20of%20Life%20Settlements?&summary=2017%20is%20still%20the%20year%20of%20life%20settlements%20for%20several%20reasons,%20including%20awareness,%20regulation,%20demographics,%20and%20certainty.%20Learn%20more.) - [**](https://plus.google.com/share?url=https%3A%2F%2Fwww.themcgriffalliance.com%2Fblog%2Finvestment-outlook-is-2017-the-year-of-life-settlements) ![2017 year of life settlements](https://www.themcgriffalliance.com/hs-fs/hubfs/2017.jpg?width=300&name=2017.jpg "2017 year of life settlements")"Political and Economic Environments Favorable for Life Settlement Industry." That was the headline of a [news release](https://globenewswire.com/news-release/2017/01/30/912191/0/en/Political-and-Economic-Environments-Favorable-for-Life-Settlement-Industry-According-to-Speakers-at-7th-Annual-Life-Settlement-Institutional-Investor-Conference.html) issued by the Life Insurance Settlement Association on January 30, 2017. The organization had just wrapped up its 7th Annual Life Settlement Institutional Investor Conference in New York City – and everyone walked away feeling good. But that was then. A lot has changed in the past several months, which begs the question: Is this still the year of life settlements? The answer is yes. Here's why: ##### Awareness As **[investment opportunities](https://www.themcgriffalliance.com/financial-planning-has-failed)** go, life settlements are still [relatively new](http://www.lisa.org/industry-resources/life-settlement-industry-timeline). Sure, they've been around since the 1980s, but the average American really didn't know about them until the late-1990s (and the term "life settlements" wasn't even coined until 2001). And even then, there still weren't a lot of people who felt comfortable selling their policies. But that's all changed, thanks to the work of industry professionals to raise awareness among seniors about the opportunity to unload their unneeded, unwanted or unaffordable life insurance policies. Now that more seniors know they can sell their policies, more policies are available to investors – and that's a good sign when it comes to growth. ##### Regulation As with any innovation, there was a time when investors viewed life settlements with skeptical eyes. Most were concerned with a perceived lack of government regulation over the transactions. Not anymore. Today, life settlements are watched closely by federal and state agencies, with 42 states and the territory of Puerto Rico regulating the transactions. In fact, 90 percent of the population in the United States is protected by comprehensive life settlement laws and regulations, according to the [Life Insurance Settlement Association](http://www.lisa.org/industry-resources/life-settlement-regulation). These consumer protections have given both sellers and buyers peace of mind and helped create a true win-win opportunity for both parties. ##### Demographics The Baby Boomers are calling it a career. According to information published by [Investopedia](http://www.investopedia.com/articles/personal-finance/032216/are-we-baby-boomer-retirement-crisis.asp), roughly 10,000 people born between 1946 and 1964 are retiring every day. That's an awful lot of people who are going to need an awful lot of money. Sadly, many don't have any retirement savings, according to research conducted by [GoBankingRates](https://www.gobankingrates.com/retirement/1-3-americans-0-saved-retirement/). The study found that about 30 percent of people 55 and older who took the survey had no retirement savings at all. Another 26 percent had less than $50,000 saved for retirement. That's not good news for many people. But their **life insurance policies** could turn out to be a saving grace. People with no retirement savings but who do have a life insurance policy will likely begin turning to life settlements as a way to pay for life's essentials. In addition, even Baby Boomers who have retirement savings may want to free themselves of the burdensome monthly premium payments associated with [life insurance policies](https://www.themcgriffalliance.com/blog/why-a-life-settlement-investment-makes-sense-for-you-and-your-family). That's good news for retirees and investors alike. ##### Certainty When it comes to the stock market, uncertainty is the only certainty. One of the nice things about life settlements is that they provide investors with an unprecedented level of certainty. They are unaffected by the ups and downs of the [stock market](https://www.themcgriffalliance.com/blog/if-not-the-stock-market-what). They offer solid returns. And the only real risk factor is time. In a very uncertain world, where everything from politics to natural disasters to international conflicts can cause the stock market to spiral, the certainty of diversifying your portfolio with life settlements makes a lot of sense. ##### It's never too early (or late) to make a resolution This is shaping up to be the year of life settlements. If you'd like to learn more, [give us a call](https://www.themcgriffalliance.com/contact), we're happy to discuss to see if it's a fit for you. 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