Any Investment in a viatical or life settlement is subject to certain risks and conditions. These include the following:

• Life extension risk, which can reduce the expected return on investment
• Financial strength of the issuing insurance company
• The affect of premium burden on return of investment
• Regulatory issues relating to life settlements which vary from state to state
• The illiquid nature of an investment
• Return on investment cannot be guaranteed
• Premiums must be paid to keep the policy in force
• Policy can be contested if no insurable interest is present at date of issue
• The investment is not suitable for all investors