A Canadian firm specialized in institutional access to the U.S. secondary market for life insurance policies (Life Settlements) and the structuring of uncorrelated alternative assets.

Contact

Location

1482 Yonge Street # 1119 Toronto, ON M4P 2H5 Canada

Entity

No. 1000802931

Registered entity in Ontario, Canada · No. 1000802931

Wealth Structuring Through Uncorrelated Alternative Assets

Independence Financial LP. Your strategic partner for institutional access to the U.S. secondary market for life insurance policies (Life Settlements). We connect global wealth with an asset class grounded in actuarial rigor and backed by the largest, most regulated North American insurers.

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Independence Financial LP team in a corporate meeting room

About Us

Wealth Management With Global Experience and a Long-Term Vision

Independence Financial LP represents the consolidation of alternative portfolio structuring. We have forged a corporate joint venture integrating the institutional distribution capacity of Amstel Financial Group and the deep wealth management expertise for emerging markets of Gestora Cronox Capital.

Our philosophy of transgenerational preservation: wealth planning is not a short-term objective. We operate under strict principles of transparency, integrity, and rigorous technical management, with disciplined reserve policies and thorough risk management.

Family Offices and Multi-Family Offices Seeking genuine diversification outside traditional market cycles.
Wealth Managers and IFAs Wealth managers and independent financial advisors seeking uncorrelated assets for their clients.
Institutional and Sophisticated Investors Who understand the importance of incorporating mitigated alternative assets into their portfolios.

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The Sector

What Are Life Settlements? The Architecture of Financial Consistency

The Life Settlements ecosystem represents one of the most resilient and sophisticated categories of institutional alternative assets in the global financial landscape. It consists of acquiring, in the secondary market, life insurance policies issued in the United States, transforming a traditional protection instrument into a highly predictable, auditable financial asset with strictly mitigated risk.

Structural Decorrelation and Risk Mitigation

A policy's maturity is a biological event, not a financial one. Performance is highly resistant to stock market volatility, interest rates, or geopolitical tensions.

Institutional-Grade Credit Quality

Final payout is contractually backed by the leading, longest-standing U.S. insurance carriers, with statutory reserves that mitigate counterparty risk.

Actuarial Engineering and Predictable Cash Flows

Medical analyses and life expectancy (LE) assessments from independent providers allow us to project maturity windows and estate succession plans.

At Independence Financial LP, we democratize access to this private capital market, connecting our partners to superior wealth stability.

Our Approach

Due Diligence, Financial Engineering, and Fiduciary Precision

Our competitive advantage lies in a highly technical operating infrastructure. We don't speculate; we audit, structure, and manage under the strictest fiduciary standards.

Analysts reviewing due diligence and policy auditing

01

High-Precision Technical and Actuarial Audit

Each policy undergoes exhaustive due diligence with top-tier independent medical evaluators (LE Providers). Only assets that pass our credit quality filters enter the portfolio.
02

Transactional Transparency and Full Visibility

Before executing the purchase of any policy, our committee presents and reviews every contract, disclosing the exact transfer costs and net financial projection.
03

Institutional-Grade Custody

Policies are safeguarded through specialized, fiduciary custody infrastructure (Trust Accounts), with full visibility for our authorized partners.
04

Dynamic Premium and Liquidity Management

A high-efficiency reserve policy on the Premium Reserve Account to mitigate the risk of policy lapse from unpaid premiums:

70% In highly liquid instruments, prioritizing capital availability.

30% In conservative instruments with a maximum maturity of 18 months.

1482 Yonge Street # 1119 Toronto, ON M4P 2H5 Canada Contact by Email

We structure long-term financial consistency

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Why Choose Us

Why Choose
Independence Financial?

Actuarial rigor, operational transparency, and institutional
specialization across every phase of the asset's life cycle.

Independence Financial LP executive team

Structural Decorrelation of Markets

The behavior of our assets is independent of fluctuations in interest rates, inflation, or geopolitical crises.

Operational Transparency Architecture Open governance, with visibility into transfer costs and operating margins.
Institutional Specialization A technical team dedicated to actuarial analysis, due diligence, and ongoing premium management.

Contact

Structure Your Institutional Portfolio With Us

If you represent a Family Office, a wealth advisory firm, or are a sophisticated investor seeking to diversify your funds with uncorrelated corporate assets, our board is available to discuss strategic synergies.

Our Location:

1482 Yonge Street # 1119 Toronto, ON M4P 2H5 Canada · Entity No. 1000802931

Corporate email

info@independencefinanciallp.com

Wealth Structuring Through Uncorrelated Alternative Assets

Wealth Management With Global Experience and a Long-Term Vision

What Are Life Settlements? The Architecture of Financial Consistency