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Proprietary AI. Medical-grade underwriting. Definitive results.

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Life Settlement Advisory. Powered by AI.

Alpha LS Advisors provides life settlement advisory services to wealth advisors, family offices, and private investors. Our proprietary AI platform turns complex medical data into precise investment insights — giving our clients a decisive edge.

Advisory Firm

Policy sourcing, acquisition, due diligence, and ongoing portfolio management.

Fund Builder

Formation, structuring, and management of life settlement funds at any scale.

AI Company

Proprietary AI that analyzes medical records, generates life expectancy reports, and optimizes portfolios.

What Is a Life Settlement?

A life settlement is the purchase of an existing life insurance policy from the original policyholder. The investor acquires the policy at a discount to its face value, assumes the future premium payments, and receives the full face value upon the policy's maturation.

Why Life Settlements Belong in a Portfolio

The S&P drops 20%. Interest rates spike. Your life settlement portfolio doesn't care.

Non-Correlated Returns
Performance is driven by actuarial outcomes — not equities, interest rates, or economic cycles.
Contractual Payouts
Every policy has a defined face value. The return is built into the structure — not dependent on market timing.
Portfolio Stability
Life settlements have historically performed through recessions, rate hikes, and periods of volatility.
True Diversification
A fundamentally different return driver that reduces overall portfolio risk without sacrificing yield.

Our Services

01
Life Settlement Advisory
Policy sourcing, acquisition, valuation, due diligence, and transaction execution.
02
Fund Formation & Management
Structuring, administration, and investor reporting for private life settlement funds.
03
AI-Powered Underwriting
AI models that analyze medical records and generate precise life expectancy estimates.
04
Portfolio Construction
Data-driven design balancing life expectancy distribution, carrier diversification, and return optimization.

Our Proprietary AI Platform

Our AI reads medical records, generates life expectancy reports, and delivers full case reviews — in hours, not weeks.

100% HIPAA Compliant Infrastructure
1

Medical Records In

Hundreds of pages of clinical data — diagnoses, treatments, imaging, lab work — ingested and structured by AI in minutes.

2

AI Medical Summary

A structured breakdown of every relevant condition, medication, and clinical finding — ready for underwriting review.

3

Life Expectancy Report

AI-generated estimates calibrated against actuarial data, then reviewed and refined by Harvard-educated physicians.

4

Full Case Review

Everything in one place — medical summary, life expectancy, policy economics, and pricing analysis.

5

Portfolio Optimization

Ongoing analytics across the portfolio — flagging concentration risks, modeling cash flows, and recommending rebalancing.

Leadership

Robert Gold
President
Ryan Gold
Managing Partner
Andrew Friis
Senior Advisor

Deep relationships across the life settlement ecosystem.

Start a Conversation

We work with a select group of investors and advisors. If life settlements are on your radar, we should be on your shortlist.

Platform AI Underwriting — Available by Engagement