Welcome to LifeCycle

LifeCycle purchases, acquires holds, manages, services, monitors, and disposes of previously-issued life insurance policies through life settlement transactions. The Company concentrates its life settlement activities in the “small-cap” market place – i.e., life settlements having a death benefit between $50,000 and $1,000,000. LifeCycle’s life settlement investment models provide for a minimum of a 1:4 investment-to-death benefit ratio which is projected to generate an internal rate of return in excess of 20%. As of August 31, 2009, LifeCycle owns and manages two portfolios of life settlements having an aggregate Death Benefit of more than $35,000,000US. The average Death Benefit of LifeCycle’s life settlement portfolios is approximately $235,000US per settlement and the projected average life expectancy of Insureds covered by those life settlements of approximately 60 months. The minimum age of insureds covered by LifeCycle’s life settlements is approximately 72 years.

Insureds covered by the additional life settlements which LifeCycle anticipates acquiring will have life expectancies, as of the respective dates of acquisition, between 24 months and 120 months with the distribution of life expectancies and death benefits spread over a ten-year period in accordance with LifeCycle’s proprietary statistical models. LifeCycle’s proprietary policy acquisition strategies and models have been developed with considerable attention to generating high internal rates of return while seeking to minimize risk of loss due to potential but undetermined statistical errors and other events and circumstances which may not be in LifeCycle's control.