MAS combines years of experience and state-of-the-art technology to perform a rigorous evaluation of existing portfolios and provides comprehensive pre- and post-transaction analysis.

MAS will examine the portfolio with an emphasis on initial premium calculations and updates of premium estimates based upon the most recent policy information available.  Our team will also perform a risk-based analysis and review of exposures (i.e., insurance company, insured, age distribution, etc.).

MAS has developed a suite of proprietary tools to analyze and develop valuations for individual policies and portfolios.  An independent third-party valuation is essential for accurately assessing the current and projected value of a life insurance policy or portfolio.

Our experienced professionals are uniquely qualified to identify the key factors affecting pricing and risk such as: ownership, financing structure, insurable interest issues, medical records, life expectancies, and policy characteristics.

MAS will utilize cash flow projections to assign a current value to the portfolio, provide guidance for setting premium funds needed to secure payment of future premium obligations, and evaluate expected returns to investors. 

MAS specializes in providing comprehensive portfolio management services for our clients, including ongoing portfolio optimization and oversight of all necessary servicing relationships

MAS conducts an in-depth analysis of every policy to determine the actual minimum premium necessary to ensure the policy remains in good standing.  We have experience in evaluating expected premium and maturity cash flows, by calendar year, for in-force blocks of policies.

Projections of future maturities recognize key risk factors likely to impact expected mortality, such as diagnosis and life expectancy at the time of purchase.  MAS performs a statistical analysis on the historical mortality experience of the portfolio and apply current medical research for diagnosis-specific mortality..

MAS advises clients on strategies to maximize a portfolio’s value.  MAS is able to identify policy options available to reduce future premium outlay and identify those policies with the highest return to the portfolio.

MAS also assists our clients in evaluating offers for purchase – many offers provide for enhanced returns based on ongoing maturities.  Our detailed analysis enables our clients to select the best offer consistent with defined objectives..

We advise our clients on various hedging strategies to reduce overall portfolio risk based on our extensive experience with alternative investments and derivatives.

MAS clients receive customized periodic portfolio reporting generated by its advanced technology systems.  Our team of financial analysts and accounting support personnel are able to prepare specialized reports, perform reconciliations, and help coordinate audit and tax efforts for our clients.