Health and Life

• Life Insurance
  RCP offers a valuable service by positioning sophisticated non-traditional insurances as both an "enabler" and a source of cost-effective capital to investment banks, lawyers, accountants, corporate clients and high net worth individuals, removing uncertainties associated with financial transactions to increase shareholder value. As a cohesive team that has worked together in the past we are uniquely positioned experts with cross training in both insurance and capital market instruments. We are uniquely qualified to demonstrate to clients how insurance could play a key role in the capital structure of a transaction. We have established a proven track record in creating new business opportunities such as: unlocking financial value in existing transactions; identifying novel synergies; creating unique gap solutions; and identifying/developing opportunities that are only found in the cross-section of life insurance, property-casualty insurance, banking, and capital markets.

Personal

• Annuities
  Situation: Some life insurance transactions utilize premium financing to provide high net worth individuals a low-cost or zero-basis purchase of life insurance. A lending institution receives monthly/yearly interest until death, at which time principal is repaid utilizing life insurance death benefit proceeds. Furthermore there is the ability to capture the arbitrage between long-term life insurance policies and annuities. In these cases, an insurer securitizes a portfolio of life insurance policies and uses the proceeds to purchase annuities. The cash flow from the annuities pays the insurance premiums, plus interest to note-holders.