What really happens if everyone lives to 150 or if your insurance carrier suddenly disappears?

In this episode of Truly Diversified, retirement strategist Ben Mohr takes on two of the most common (and misunderstood) questions he hears at investor dinners: longevity risk and carrier stability. Drawing on decades of experience in the life settlements industry, Ben explains why both fears are statistically unrealistic and how data, history, and logic prove it.

He walks listeners through real-world probabilities versus possibilities, how A-rated insurance carriers like New York Life are financially stronger than most major banks, and why the “what if” scenarios that worry new investors rarely play out in reality.

If you’ve ever wondered how life settlements really work behind the scenes, this episode clears the air. Press play now to hear Ben’s straightforward answers to the most common fears about life settlements and find out why probability, not possibility, drives real investment success.

Timestamped Highlights

[00:00 ] – What a life settlement is—and why Warren Buffett buys them

[00:02:30 ] – The dinner seminar that sparked this conversation

[00:03:50 ] – “What if everyone lives to 150?” The truth behind longevity risk

[00:05:20 ] – Why unhealthy policyholders change the math entirely

[00:07:00 ] – Understanding probabilities versus possibilities in investing

[00:10:00 ] – Real data: hundreds of policies, zero reaching age 100

[00:13:21 ] – The second big question: what if an insurance carrier fails?

[00:15:09 ] – How insurance companies make money (and why they’re so stable)

[00:16:40 ] – Why A-rated carriers like New York Life are worth more than big banks

[00:18:45 ] – If New York Life ever failed, your stock portfolio would already be crushed

[00:20:30 ] – Ben’s reassuring answer: what’s possible vs. what’s probable

Mentioned Resources

• Life expectancy reports and medical underwriting
• New York Life
• U.S. Treasury bonds and corporate bond investments
• Historical data on insurance carrier stability
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Important Links

• Book a call to speak with Ben: https://rebrand.ly/life-asset-consult 
• Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e 
• Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook
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Truly Diversified is an original podcast brought to you by Ben Mohr and Podcast Your Brand. Production and editing by Podcast Your Brand.