Market Maker

LHL Strategies, Inc. is the parent company of ClearLife Limited and its subsidiary, ClearLife LLC, and Lighthouse Life Capital LLC and its subsidiaries, Lighthouse Life Solutions, LLC, Lighthouse Life Direct, LLC, Harbor Life Settlements, LLC, Settlement Benefit Holdings, LLC (“Lighthouse Life” or the “Company). The Company is a vertically integrated provider of life policies and life policy services to longevity-risk asset managers and investors. The Company delivers value to consumers and investors through fast, efficient, and transparent life settlement transactions, and provides full lifecycle life policy services to asset investors worldwide.

Cape Town, South Africa, happy elderly couples sitting on patio

Our Brands

Lighthouse Life logo
Settlement Benefits Association
Harbor Life Settlements

Our Companies

Life Policy Origination

LHL advertises and markets to life insurance policyowners through multiple Direct-to-Consumer (DTC) brands, and markets to insurance and financial professionals (B2B) through the Lighthouse Life Settlement Advisor Program

Direct-to-Consumer (DTC)

Our Direct-to-Consumer (DTC) brands help seniors turn unwanted or unneeded life insurance policies into liquid assets they can use in any way they wish.

Lighthouse Life logo
Settlement Benefits Association
Harbor Life Settlements

Business-to-Business (B2B)

Lighthouse Life Solutions logo

Lighthouse Life Solutions, our nationally licensed life settlement provider, works with insurance agents and financial advisors through the Lighthouse Life Settlement Advisor Program. This innovative program enables Agents and Advisors to offer life settlements to their senior clients by referring them to Lighthouse Life. 

Some Advisor Program benefits include:

  • No licensing required
  • No reporting requirements for Advisors
  • Lighthouse Life provides E&O coverage to Advisors and Firms
  • A strong compliance focus, including our Suitability Questionnaire and Disclosures for Policyowners
Cover of the Lighthouse Life Settlement Advisor Program brochure

Life Policy Acquisition

Lighthouse Life Solutions logo

Lighthouse Life Solutions has the authority to operate in 45 states and the District of Columbia.

1 %
% of US population where Lighthouse Life is authorized to transact
Lighthouse Life Solutions Authority to Operate Map
Lighthouse Life Solutions Authority to Operate Map

Life settlements are safe and secure transactions for seniors

  • State licensing for life settlement providers (policy buyers)
  • State Insurance Department approval of life settlement forms
  • Extensive mandatory consumer disclosures
  • Competency certification of seller/insured
$ 1 B
Annual gross market potential for life policies between 2024 and 2033, according to industry analyst Conning

Market Maker for Life Policies

Lighthouse Life is a trusted market maker, providing life policies acquired through life settlements to more than 30 active asset investors worldwide. The company works strategically to provide investors the assets and returns that meet their needs.

88% of current life settlements asset investors plan to maintain or increase their allocation in 2025

Chart from January 2025 Conning survey report on planned investment allocation changes for current life settlement investors
Chart from January 2025 Conning survey report on planned investment allocation changes for current life settlement investors

Reasons Investing in Life Settlements is an attractive alternative investment:​

  • Non-Correlation to Traditional Markets​
  • Predictable Returns​
  • Attractive Risk-Adjusted Yields​
  • Portfolio Diversification​
  • Tangible Asset-Backed Investment​
  • Demographic Tailwinds​
  • Socially Responsible Investment​
  • Potential for Long-Term Stability

Life Policy Services

ClearLife Logo

ClearLife, founded in 2007 by Mark Venn, who was joined by Chris Stuart in 2008, is the dominant platform for longevity-risk market participants to value, trade and service life insurance products.  ClearLife’s flagship software product, ClariNet, is a web-based, flexible, SaaS platform that streamlines operations and enhances decision-making related to life policies and portfolios. ClearLife also provides bespoke software and consultancy services for asset managers and other financial services companies in the life insurance and longevity risk markets. 

Pricing & Valuation

  • Pricing and valuation of policies and portfolios
  • NPC and IRR calculations for individual transactions and life policy portfolios
  • Customized reporting

Management & Portfolio Consulting

  • Individual policy and portfolio management
  • Consultation on acquisition and trading strategies

Policy Servicing

  • Premium tracking and patments
  • Updating medical records and insured tracking
  • Updating policy statements
  • Death benefit processing
lighthouse-93487

Why Work With Us?

Vertically Integrated

Our full suite of services allows LHL Strategies to operate efficiently at every stage of the policy lifecycle, from origination to resale and ongoing servicing.

Technology Focused

We leverage both proven and emerging technologies to identify, capture, and deliver value at every touchpoint to every stakeholder.

Deep Experience

Our leadership team has over 100 years of life settlement industry experience, ranging from helping to create every major piece of life settlement legislation to the integration of Machine Learning (ML) and Artificial Intelligence (AI) into the business of life settlements.

lighthouse-93487

Why Work With Us?

Vertically Integrated

Our full suite of services allows LHL Strategies to operate efficiently at every stage of the policy lifecycle, from origination to resale and ongoing servicing.

Technology Focused

We leverage both proven and emerging technologies to identify, capture, and deliver value at every touchpoint to every stakeholder.

Deep Experience

Our leadership team has over 100 years of life settlement industry experience, ranging from helping to create every major piece of life settlement legislation to the integration of Machine Learning (ML) and Artificial Intelligence (AI) into the business of life settlements.

Leadership Team

MDF_1051

Michael Freedman

Founder and Chief Executive Officer, Chairman of the Board
Michael Freedman is Chairman and CEO of LHL Strategies, Inc and its subsidiaries. Michael has been a leading voice in the life settlement market for more than two decades, including serving as a senior executive for two life settlement companies before co-founding Lighthouse Life in 2018. Michael is the life settlement market’s leading expert on public policy developments, having been the driving force behind the enactment of virtually every state and federal law and regulation in force today, and has served as Chairman of the Public Policy Council of the Life Insurance Settlement Association (LISA), the life settlement industry’s oldest and largest trade group. Michael holds a BA from the University at Albany and a J D from the University at Buffalo School of Law.
Andrew Brecher

Andrew Brecher

Founder and Chief Operating Officer, Secretary of the Board of Directors
Andrew has managed and directed operations and technology platforms in the life settlement market for more than 25 years. He was previously the Chief Information Officer at Coventry. While there, he was responsible for the design and implementation of the market’s first life settlement pricing and tracking system and several other mission-critical enterprise and business intelligence systems. He has extensive experience in all aspects of information technology, operations, infrastructure, and facilities management, on both domestic and international levels. Andrew is an expert in cyber security and disaster recovery and received a certification in Cyber Security Management from the Information Systems Audit and Control Association. He holds a BS from Syracuse University’s Whitman School of Management.
Jenn Felice Breen

Jennifer Felice Breen

Chief Financial Officer
Jennifer brings more than 20 years of experience in accounting and finance, as well as a deep knowledge of retail alternative investment markets, to Lighthouse Life. Immediately prior to joining Lighthouse Life, Jennifer worked for seven years at Resource Real Estate in Philadelphia, PA, serving as Vice President and Chief Accounting Officer for the non-traded REITs. She began her career in 1998 working at KPMG, LLP where she was a Senior Manager. She has also worked in accounting and finance at ACE INA Holdings, Inc., Iomega Corporation, Tekni-Plex, Inc., and AC Lordi. Jennifer earned an Executive MBA from the Erivan K. Haub School of Business at Saint Joseph’s University and a BS in Accounting at Rider University. She volunteers as a board member at several organizations in the Greater Philadelphia area.
Adam Lippman

Adam Lippman

EVP, Sales and Marketing Operations
Adam has over 20 years of life settlement industry experience, and was a co-founder of Settlement Benefits Association (SBA). While he wore many hats at SBA, he primarily focused on marketing and technology systems, while also helping to oversee the negotiating, underwriting, and accounting teams. Adam holds an MBA from the University of Florida, where he also served as a mentor in the program.
Noam Weiss

Noam Weiss

EVP, Sales and Marketing Operations
Noam is a serial entrepreneur with more than 20 years of experience in the life settlement industry. He co-founded Settlement Benefits Association (SBA) in 2002 and was responsible for negotiating life settlement offers, closing transactions, and overseeing the sales team. Under his leadership, SBA became a nationally recognized Life Settlement company, reviewing nearly $8 billion in net death benefit and helping close over 1,000 policies. Beyond his work in life settlements, Noam is a member of The Young Professionals of Wellington, serves on the School Advisory Committee as a business member, and has been a subject matter expert published in the Wall Street Journal, Society of Financial Service Professionals, Agent Sales Journal, Ethics.net, and Florida Trends.
Nick Rubio

Nick Rubio

VP, Policy Acquisition and Trading
Nick Rubio brings nearly 20 years of experience in the life settlements industry to his role as Vice President, Policy Acquisition and Trading. Over his career, Nick has underwritten, serviced, and facilitated thousands of life settlements, managed portfolios, and developed proprietary systems to optimize performance, including pricing templates. He’s also recruited, trained, and managed global teams of professionals at previous life settlements firms. Nick prides himself on relationship management, accuracy, product knowledge, and navigating the nuances of the life settlement industry.