100% Project Funding with Senior Life Settlements Contracts , Frequently called the "Stock Program", Real Estate, Energy, Business Startups, Expansion

Senior Life Settlements-as 100% collateral

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Collateral using senior life settlements as an institutional investment asset class, as a securitization facility for any business transactions bought at closing is a way of collateralizing any of our projects. The Explanation is below.

Various structural formats using the "collateral" exist, including 1) funding for an amount equal to the project requirements, 2) funding for an amount equal to the project requirements plus premium requirements, 3) funding for an amount equal to the project requirements, premiums, and interest requirements and/or debt service/operating costs, 4) funding for an amount equal to the project requirements as well as all other cash needs as well as total repayment of principal-all with no risk of loss of investment by the investor/lender.

BENEFITS TO PARTICPANTS

A- Issuer

1) Lower cost of financing

2) Faster funding

3) no equity "kickers"

  B-Investment Bank

  1) Significantly faster funding

  2) More transactions completed per period

  3) Ability to attract new clients

  4) Higher fees, commissions and profits from "collateral"

  C-Investor/Lender

  1) Remove risk of loss of principal

  2) Higher rate of return through participation in collateral

  3) Lower reserves due to securitized feature

  4) More investments due to lower reserves leading to higher investment income

Senior life settlements are a new investment asset class that provides an insured principal, high return, short term investment facility that is a safer and more efficient securitization of investment and debt capital than the higher return financial instruments of recent history. In the past, many investment bankers and financial institutions utilized zero coupon bonds purchased at a discount from face value as securitization or "collateral" to facilitate the consummation of various types of financing transactions, including debt, leveraged debt, quasi-equity and straight equity. Not every transaction was suitable for that model and a variation of concept known as "junk" bonds emerged to induce financing dependent upon the selection of successful companies that could not qualify for investment grade debt but could pay higher costs for "junk" bond debt and also repay the principal when due.  

There are and have been a variety of different methods of providing additional securitization or "collateral" for projects needing third party financing. Each of these methods contains advantages as well as flaws and investors and financial institutions are always seeking better, safer and more profitable methods of accomplishing their investment goals of higher returns and repayment of loaned funds.

The senior life settlement asset class provides high returns of predictable terms with insured principal that is provided through the certainty of human mortality and the "Mortality Gain" that is produced either sooner or later during individuals' economic life cycles. The life insurance defines the economic value of each individual's life. Most individuals never capitalize the human economic value. The market place for the purchase of such individuals' unused economic value has expanded to over $40 billion per year in the US alone and is increasing as the population ages. An active secondary market also exists that creates "market" liquidity. 

Insurance industry data indicates that approximately 90% of all Universal Life Insurance policies lapse before a death benefit is paid. Further, there are currently in excess of $100 billion of such policies which can be sold by individuals for amounts in excess of the cash surrender values of their existing policies. Billions of dollars of un-used human economic value can be capitalized and purchased at a discount.  Present market values and/or the future death benefit value are then used to securitize of "collateralize" financing projects to insure return on invested capital and to insure return of invested capital. All parties to the senior life settlement transactions benefit. 

Currently, financial giants such as Berkshire Hathaway, HSBC, Deutsche Bank, Bank of Ireland, Scottish Re, Credit Suisse, AIG, UBS, hedge funds and individual investors are active in various aspects of the nascent senior life settlement industry. A question frequently asked is, "What is our firm losing by not participating in this industry segment?

Large financial institutions have quietly been responsible for the exchange of billions of dollars of senior life settlements. The senior life settlement asset class has produced significant fees, commissions and profits to these participants. Generally, senior life settlements have been aggregated by these participants for use as a "coupon" type of financial instrument similar to mortgage pools, which produces higher levels of yield with greater safety. The first senior life settlement securitization transaction done by this group was completed in 1975.  

When the final structure is examined, one would agree that this method requires an over collateralization by the issuer to provide margins of safety for total "securitization" With proper analysis and evaluation, the correct type of issuer a transaction can be structured that produces an outcome in which the issuer, the investors/lenders, the sellers of the policies, and the investment banker all benefit from a completed transaction with no loss of principal.

The "Senior Life Settlement" segment of the life insurance and investment industries is expanding and maturing. Early participants in this industry tried to create a date certain/date of death provision for "Investment Grade Senior Life Settlements" with limited results. The entrance of many large financial institutions into the market has now accelerated the acceptance of senior life settlements as an alternative investment asset class that has multiple uses. Senior life settlements currently provide one of the most efficient methods now available for securitization and collateralization purposes.

LLC has developed proprietary processes that abate the need for re-insurance utilizing a normal life expectancy system of calculation. Senior life settlements are a form of "collateral" that makes a good transaction better, but does not make a bad transaction good.

In administering a senior life settlement transaction Structured Marketing, LLC examines and integrates a vast amount of data beginning with a true due diligence study of the transaction, the amount of the collateral that should be purchased to provide complete assurance for all parties. Implementation of the transaction requires access to the following capabilities:

a. A nationwide network to provide policies.

b. Developed proprietary financial software to evaluate policies. 

c. Actuarial data used to review policies.

d. Insurance Policy Contract review to ensure transfer of ownership.

e. Ownership Purchase Agreements.

f. Insured Release Contracts.

g. Beneficiary Release Contracts.

h. Appropriate Power of Attorney, from all parties.

i. Irrevocable Life Insurance Trust Agreements.

j. Policy Purchase Agreements.

k. Policy Sale Agreements.

l. Funding Agreements.

m. Escrow Agreements.

n. Physical possession of original policy.

o. Change of Ownership.

p. Change of Beneficiary.

q. Notification from Insurance Company.

r. Premium Management.

s. Death Tracking.

t. Policy Claim Submission.

u. Payment to Escrow Agent for Disbursement.

v. Payment to Lenders.

w. Payment to Company.

Each transaction involving "collateral" has many financial structure issues as well as the usual other considerations facing any transaction. There are many companies in the market place claiming that they will merely "buy" policies and "deliver" them at closing. This simplicity is not an accurate portrayal of what is required to properly complete a transaction involving "Senior Life Settlements." Such transactions require experienced, highly skilled professionals working as a team to accomplish the goals of Securitized transactions.

Various structural formats using the "collateral" exist, including 1) funding for an amount equal to the project requirements, 2) funding for an amount equal to the project requirements plus premium requirements, 3) funding for an amount equal to the project requirements, premiums, and interest requirements and/or debt service/operating costs, 4) funding for an amount equal to the project requirements as well as all other cash needs as well as total repayment of principal-all with no risk of loss of investment by the investor/lender.

While every transaction requires thorough evaluation and due diligence scrutiny to determine proper financing structure and "collateral" levels, the major consideration is sufficient cash flow activity of the issuer/project to justify the use of "securitized transactions." Private investors/lenders are more flexible due to the underlying date certain threshold issues but are not a requirement.

Typically, a "secured transaction" will require the issuer to raise additional sums in order to acquire and service the "collateral", usually at rate of 1.2 to 1.4 x of the original face amount of financing sought. The cash cost and underlying life expectancies of the policies is a matter which must be addressed early in the structuring process. Whether shorter (5 years)expectancy, more expensive policies or longer (8-10 years) expectancy, less expensive policies are chosen, as well how large a pool of collateral to use, can only be determined by professional evaluation. The entire process is better suited for longer range transactions as opposed to short ones (1-3 years). This structure allows an investor/lender to manage any downside volatility of the underlying investment while enjoying the upside potential without risk of loss of principal.

Overview - Large 100% Project funding U.S. and International projects.

Business Financing, Business Expansion, Oil & Gas, Coal, Mining, Alternative Energy, Solar, Wind, Waste to Energy , All Forms of Energy,Sr. Living/ Assisted Living, Hospitals, Nursing Homes, Medical Retreat,R&D labs, Water Treatment, Reclamation/Recycling, Waste Management Products, Medical, Commercial Invention, Textiles, Agricultural, Health Products, all kinds of Real Estate Transactions and Development etc

For projects at least $10 million, a JV investor can provide up to 50% Equity and 50% Debt. . The client has the right to repurchase the JV interest following stabilization at the project's then fair market value. Fair market value is determined by a third party appraiser selected by the client and the JV investor. The project must be shovel ready and the cash projections must clearly demonstrate that the project project upon stabilization must be worth 1.5 to 2 times the amount of the JV cash infusion in order for its JV ownership to be worth the amount invested. The client will need a well conceived business plan detailing the project costs, cash flow projections, management, experience, market information, and requested disbursement schedules among other pertinent details. For projects $10 million and over , a we can provide another program with structured funding with debt or equity , with 50% debt and 50% equity, if the client wishes.

Edward Voccola & Co. LLC Overview

We are seeking any global and US projects that is capable and makes sense. No upfront fees. We do worldwide lending at 100% that includes most if not all of the costs of processing your loan through funding. The lender charges no origination points. USD $5 Million to $5 Billion in funding. We have a special large project funding niche program through a sovereign fund for projects over $100 million, 100% Equity Funding.

Our goal is to develop an optimal project structure and develop a critical path for the project's success. From beginning stages of project development through to operational completion. Some highlights are interest rate fixed for 10 years at 4.5%, the lender charges no origination fee for the loan and provides joint venture equity to 100%++, the loan is non-recourse, grace roll period on payments to 36 months option available, no repayment penalty subject to no accrued interest at exit, and the first right of refusal to acquire the joint venture lender's share at its then current market.

And finally, please remember that most processing cost will be included and financed along with the project proceeds at funding , thus 100%++Financing.

The 100% preferred funding types are:

-Housing and development,

-All forms of Condominiums and Hotel developments in prime locations/major cities,

-Mixed-Use (Department Stores, Condos, Hotels)

-Resorts w/Marinas, Casinos, Villas, Beach Access

-Waste Management Projects

-Waste- Energy Projects -Biofuels

-All forms of Energy Projects including Power Plants/Hydro, Solar, Wind

-Aqua Culture Projects

-Mining (all types)

-Other types of projects considered on a case-by-case basis

Please note : No Up - Front Fees , but you will be responsible for due diligence and third-party costs associated with the funding requirements for the project once a final approval and commitment to fund is issued.

Send Executive summary, Source and Uses, Bios, 5 Year Projections

Executive Summary- A concise, but through overview that includes: Description of property, Legal Owner, Loan Amount & Use of Funds, Date of Purchase & price, debt service, Sources & Uses, Exit Strategy, The Story, Color Photos.

Operating Income- We need a complete financial picture if not included in ES above:

Current NOI ( If Applicable) & Proforma NOI 5 year Projections,

Other Helpful Items include:

For Initial Assessment:

Project Name, Project Location, New Development or Acquisition, Project Type (Multi-Family, Retail, Etc.), Requested Loan amount, Amount equity in project, Amount of liquidity.

Low rates, Quick response, Quick Turn Times, Creative Thinking in getting your project the best project financing and funding available.

Many Sources of capital: Hedge Funds,Sovereign Wealth Funds, Private Equity, Joint Venture Equity, Direct Investment, China, Hong Kong, U.K., Dubai Investors, Wall Street, Medium Term Notes Investors, Pension, Insurance Companies, Wealthy Individuals and Family Office.

Preferred Locations: USA, Canada, Islands, Latin America, Central America, South America, Europe, Asia, Africa, China, India, Russia, Eastern Europe, Australia, and Mexico.

Programs : (Worldwide Funding)

100% Loan-to-Cost Non-Recourse Sovereign Wealth Fund Funding.

100% Hard Money Construction Loan

100% Preferred Equity/ Equity Loans

100% Credit Enhancement Loans

100%Debt (60%) and (40%) Private Equity Program @4.5% Debt rate

100% Non-recourse Construction Loans

100% Medium Term Notes

100% Hedge Fund CE Program

100% Bank Instrument/SBLV/BG/LCs/SwiftMT 799 & Swift MT760 Monetizing Alternatives

100% Joint Venture Funding

100% Combination Debt and Equity Funding

100% Equity Funding for 100 million and over large projects, a niche program at it"s best

We do have a 100% construction program under $5 Million if you already own the land

We will consider Bank Guarantees, Letter of Credit, Monetizing Alternatives

Over the years we believe successful projects come from almost 100% of the time from the people working their project.

Please note Edward Voccola & Co. LLC services include but not limited to:

Acquisition Finance/ Merger and Acquisition/ structuring the financing (asset and Equity)Leveraged Buyouts, Restructuring and More.

100% Project Funding through 144a Capital Raises, Direct Equity, Private Investors, Sovereign Wealth Funds, Hedge Funds, Pensions, Insurance Companies, Wall Street, Family Offices.

Private Equity- Structuring and Organizing new funds through traditional private equity, asset funds and hedge funds.

Credit Enhancements- We have place highly structured credit enhancement and target risk capital products that provide efficient solutions for large investment projects. In each case, the structured product is tailor-made to efficiently mitigate risk and integrated into the overall project structures.

Collateral Loan Program - Hedge fund CE Program, Medium Term Notes, Bank Instruments/SBLC/BG/LCs/SwiftMT799/SwiftMT760, Monetizing Alternatives

Joint Venture- We understand the design, negotiation and implementation of entity structure to accommodate multiple rounds of financing, equity incentives and most importantly, significant growth. Because we understand the practices and expectations of the venture community, we are equally suited to guide companies planning in venture capital.

Venture Capital-transactions range from early stage seed rounds through late stage venture rounds involving the issuance of preferred stock, convertible debt instruments, warrants, and secured and unsecured bridge debt.

Loans, Financing, Commercial Bridge Loans, Land Loans, Hotel Loans, Construction Loans, Stated and Hard Money are available.

Whatever your financing needs may be, Our firm has the experience and capability to find solid solution to fulfill them.

If you would like to inquire, please send your executive summary, source and use of funds to Edward Voccola, LLM at [email protected] or Email directly [email protected] please visit our Webstite atwww.EdwardVoccolaLLC.com phone directly to 617-233-5555 or 646-342-4963, Skype edward voccola_1, Thank you for considering Edward Voccola & Co. LLC