Market Volatility Destroying Your Savings? Try This Instead
Ben Mohr reveals how life settlements let investors grow retirement income completely outside the stock market. No market correlation, no Wall Street dependency — and Warren Buffett has been doing it quietly for years.
Hosts: Bernie Franzgrote and Wayne Pratt
Ben Mohr reveals how life settlements and alternative investments let everyday investors grow retirement income with zero stock market correlation.
GROWTH CATEGORY: Real Estate & Wealth Building
Most investors think they're protected. They've got stocks, a bit of real estate, maybe an annuity. They feel diversified.
Ben Mohr has a different word for it: exposed.
Ben is the founder of Life Advisor Solution — a platform built to give investors and financial advisors access to life settlements, one of the few asset classes that performs completely outside the stock market. He joined Bernie Franzgrote on Knack 4 Business to break down exactly how it works — and why the wealthiest investors in the world have been doing this quietly for decades.
Watch the full conversation here:
WHO THIS IS FOR
SMB owners / Solopreneurs / Pre-retirees and retirees / Investors looking to build outside the stock market / Financial advisors seeking modern alternative strategies
Key Lessons
Lesson 1: Non-correlated assets are the missing fourth bucket.
Most investors hold money in three places — the stock market, income products like annuities, and safe cash reserves like CDs. Ben calls this incomplete. The fourth bucket is alternatives: assets whose performance has no connection to economic conditions, interest rates, or geopolitical events. Life settlements live in that bucket. When you own a policy, your return depends on one thing — life expectancy — and nothing else. A market crash, a rate hike, a foreign conflict — none of it moves the needle on your investment.
Lesson 2: Warren Buffett uses this strategy. He just doesn't say it out loud.
Ben revealed during the episode that Buffett has invested over a billion dollars in life settlements. Large financial institutions do the same. The reason they don't publicize it is straightforward — saying "we had a great year because a lot of policyholders passed away" is not a press release anyone wants to write. But the strategy is real, proven, and well-established among the seriously wealthy. Ben's work brings the same access to everyday investors.
Lesson 3: The process is simpler than you'd expect — if you work with the right team.
Buying a life settlement sounds complex. It isn't, when someone quarterbacks it properly. Ben's team handles self-directed IRA setup, policy analysis, premium servicing, health tracking, and death benefit processing. Investors sign the documents and wait. In one recent payout, investors received $3 million with a 20% compounded APR — twice the average annual stock market return. Ben is careful to note that's not a guarantee, but it is a real, documented result from a real transaction.
Practical Steps
- Start a conversation with Ben. Visit lifeadvisorsolution.com and book a short call. He'll assess your situation and tell you honestly whether this is a fit. No pitch, no pressure.
- Review the four-bucket framework. Look at where your money currently sits. If you have nothing outside the market-correlated buckets, you have a gap worth addressing.
- Explore the resource library. Equal Life LLC has eBooks, investor videos, and CPA interviews that break down the tax treatment, IRA rules, and life expectancy methodology in plain language.
About the Guest
Ben Mohr is the founder and CEO of Life Advisor Solution and a 20-year specialist in life settlements and alternative investments. Before entering finance, he spent over a decade as a broadcast news reporter — a background that made him exceptionally good at taking complex financial topics and making them accessible. He helps retirees unlock the hidden value in unwanted life insurance policies, and helps investors access the returns those policies generate. He works with clients across North America and internationally. Connect with Ben on LinkedIn or email ben@lifeadvisorsolution.com.
Listen on Audio
FAQ
What is a life settlement and how is it different from life insurance? A life settlement is the sale of an existing life insurance policy by the original policyholder to a third-party investor. The investor takes over the premiums and receives the death benefit when the insured passes. It's not a new insurance product — it's a transaction on an existing one.
Can Canadian investors participate in life settlements? Yes. Policies must be US-based, but Ben works with international investors including those in Canada, the UK, Japan, and other first-world countries. The process involves standard vetting and bank compliance checks, which are typically straightforward for Canadian investors.
How does the return on a life settlement compare to the stock market? Returns are not correlated to the market at all — they depend entirely on life expectancy. Ben cited a recent payout of $3 million with a 20% compounded APR. That is not a guaranteed return, but it illustrates the potential upside when a policy resolves within or ahead of its expected life expectancy timeline.
K4B Acknowledgements
Carl Richards
Fred Crouch
Jovan Strika — @Hive
Melanie Webber
