Policy File
One policy, A to Z — the record that makes an opaque asset understandable.
LS-10482
In forceinsured: encryptedUniversal life · FL · Atlantic Mutual — A+ (AM Best, Jun 2026)
86 / 100
LS Score
Don't call every number 'value'
Five different numbers, five different meanings — shown honestly
Cost basis
What you actually have invested
Fair value / NAV mark
Accounting valuation — Level 3, methodology v6.2, assumptions archived
Est. tertiary market value
What market evidence suggests it could sell for
Modeled hold-to-maturity
Probability-weighted model across the mortality curve
Death benefit
Contractual policy benefit
Longevity position
42 mo
Original LE
46 mo
Latest LE
+4 mo
LE drift
Within the modeled longevity band. Two LE providers on file; variance logged.
Premium servicing
Annual premium$61,500
Next premiumDec 1, 2026
Amount due$30,750
Premiums paid to date$100,000
Cumulative premium to LE$235,750
Breakeven dateAug 2031
LS Score 86 — the 10 factors underneath
Proprietary scoring, never a black box
Longevity risk8/10
LE drift +4 mo — inside tolerance band
Premium burden9/10
3.1% of face annually — below 3.5% threshold
Carrier strength9/10
A+ carrier, stable outlook
Policy structure8/10
UL with secondary guarantee to age 105
Acquisition pricing9/10
20.5% of face — favorable vs cohort
LE-provider variance7/10
Two providers within 5 months
Breakeven survival probability8/10
Breakeven at 118% of median LE
Tertiary liquidity8/10
Active bid interest in this cohort
Diversification contribution9/10
Reduces carrier + state concentration
Document & compliance quality10/10
Complete file, verified chain of title