VIATICAL SETTLEMENT BROKERAGE BUSINESS PLAN

I. Executive Summary

Company Description

Mercury Life Exchange (name chosen to evoke speed, clarity, and transfer of value) is a New York–based, tech-enabled financial services firm operating in the viatical settlement and secondary life-insurance market. We run a secure digital marketplace that matches terminally ill policyholders seeking immediate liquidity with institutional investors buying life-insurance assets. Our core offer is a data-driven auction and underwriting platform that replaces fragmented broker networks with transparent pricing, standardized documentation, and automated regulatory checks. One-liner: a secure, compliant marketplace that turns life-insurance policies into fast, fair liquidity.

We target U.S. policyholders with qualifying chronic or terminal conditions and institutional buyers—hedge funds, specialty finance firms, and insurance-backed investors—seeking diversified long-duration assets. Short-term goals: launch in 2026, complete platform certification, and transact initial cohorts while proving underwriting models. Long-term goals: scale national market share, expand institutional product suites, and maintain leading compliance and data-security standards under an executive team with deep fintech and legal-compliance experience. One-liner: focused scale from compliant launch to national market leadership.

Problem

Terminally and chronically ill Americans face catastrophic medical expenses and financial instability while holding significant life insurance assets that remain illiquid. Families often incur debt or cut care because there is no clear, consumer-friendly way to convert future death benefits into immediate cash.

The secondary market is fragmented and opaque, dominated by a traditional brokerage system that is hard for individuals to navigate. There is a clear need for a transparent, secure, compliant marketplace that directly connects policyholders with institutional buyers to provide immediate liquidity and reduce end-of-life financial harm.

Solution

Terminally ill U.S. policyholders face urgent medical costs but cannot access the cash value of their life insurance quickly. Our platform creates a secure, transparent digital marketplace that connects these sellers with multiple institutional buyers, speeding transactions and increasing competitive offer pricing while preserving investor protections.

Outcome: faster, higher cash payouts to sellers through verified policies, competitive bidding, escrowed transfers, and digitized paperwork—so families get funds when they need them most.

Mission Statement

Our mission is to provide terminally ill individuals and their families with financial freedom and peace of mind through a transparent, compassionate, and secure marketplace that unlocks the value of life insurance assets. We are dedicated to creating a more efficient secondary market that fairly benefits both policyholders and institutional investors while handling every transaction with integrity, empathy, and professional excellence. We aim to be the most trusted platform for viatical settlements in the United States, focused on dignity, clarity, and measurable financial relief.

Key Success Factors

Critical strengths that enable scalable, compliant, and liquid viatical settlement brokerage operations.

• Proprietary technology platform: scalable, secure bidding environment supporting auction and settlement workflows.
• Institutional investor network: deep relationships with hedge funds and settlement firms ensuring marketplace liquidity.
• Regulatory excellence: dedicated Legal Compliance Officer maintaining adherence to U.S. state and federal laws.
• Compassionate case management: seller-focused process that builds trust with sellers and referral partners.
• Data-driven underwriting and valuation: analytics-based pricing that delivers accurate valuations and attractive buyer returns.

Financial Summary

Financial summary for the Executive Summary: five-year plan reaches $19.09M revenue in 2030 with breakeven in June 2027.

Funding need: minimum cash shortfall $1,456,000 (occurs May-2027); expected payback 38 months and portfolio ROE by 2030 of 18.78%.

Outlook: the model is conservative on commissions and CAC, profitable after June 2027 and generating $11.16M EBITDA in 2030.

Funding Requirements

We require $1,456,000 to launch in 2026: capital expenditures plus runway to first‑year EBITDA shortfall.

Financial snapshot: Year‑1 revenue $1,710,000; year‑1 EBITDA loss $1,161,000; breakeven June 1, 2027; 2030 EBITDA $11,160,000; 5‑year ROE 18.78%; IRR 4.55%; payback 38 months.