About Eternal Equity Solutions · Los Angeles
Eternal Equity Solutions is a Los Angeles–based financial firm that specializes in life settlements — buying existing life insurance policies from policyholders at a discount and offering investment opportunities in those policies to outside investors. The company operates from an office at 5850 W 3rd Street in Los Angeles, CA 90036, and is led by founder/principal Asher Alan Spiegel, an experienced policy buyer and servicer who has been active in life-settlement underwriting since 2009. The firm positions itself as a streamlined, transparent intermediary between policyholders seeking to monetize unwanted life insurance and investors looking for an uncorrelated, fixed-income–style asset class.
Eternal Equity Solutions is a privately held financial services company headquartered at 5850 W 3rd Street, Los Angeles, CA 90036. According to its website (©2023) and its principal's professional profile, the firm focuses exclusively on the life-settlement market: it purchases life insurance policies from policyholders who no longer need or can no longer afford their coverage, then structures those policies as investment opportunities for outside investors. The company describes itself as offering 'a streamlined and transparent platform for selling your life insurance policy' and aims to 'empower individuals to unlock the financial potential of their life insurance assets.' The investment side of the business works on a defined profit-sharing model: after a policy generates a 15% return for investors, any additional profits are split 70/30, with 70% going to investors and 30% retained by the managing entity. The firm explains the full purchasing and closing process on its site — engaging a licensed life settlement provider, reviewing closing documents (purchase agreement, escrow agreement, HIPAA authorization, death-certificate release, limited power of attorney), placing funds in escrow, and transferring ownership through entities such as an LLC, trust, charitable organization, or personal ownership. On its 'Get Started' page, Eternal Equity Solutions collects standard life-settlement intake information including zip code, age, policy face amount, reason for sale, health relative to peers, and policy type (term life, universal life, whole life, etc.). The company markets life settlements as a non-correlated, diversification-friendly alternative to traditional fixed-income investments, while also acknowledging the inherent risks (life-expectancy uncertainty, liquidity constraints). It does not publish a schedule of office hours on its site, and reviews on major third-party platforms (Google, Yelp, BBB) could not be verified through web search. There is no public statement on the website identifying the firm as Catholic-owned or faith-based, and the principal's education (Yeshiva University) is the only faith-related signal publicly visible.
- In business
- Active since 2009 (principal's life-settlement work); website copyright 2023
- Owner
- Asher Alan Spiegel
- Serves
- United States; office located in Los Angeles, California (5850 W 3rd St, Los Angeles, CA 90036)
About Eternal Equity Solutions
Eternal Equity Solutions is a Los Angeles–based financial services firm focused on the life-settlement market. Its mission, as stated on the company website, is to provide 'a streamlined and transparent platform for selling your life insurance policy' and to 'empower individuals to unlock the financial potential of their life insurance assets.' The firm is led by Asher Alan Spiegel, whose LinkedIn profile describes more than 16 years of continuous work in life-settlement underwriting and structured financed life insurance beginning in September 2009. The website carries a ©2023 copyright.
- Headquarters: 5850 W 3rd St, Los Angeles, CA 90036
- Specialization: life settlements (buying and investing in life insurance policies)
- Principal: Asher Alan Spiegel
- Website copyright: 2023
Life Settlements: Buying Your Policy
The company helps policyholders convert unwanted or unaffordable life insurance policies into cash. On its homepage it encourages visitors to 'Consider your life insurance policy as a valuable financial asset that can be converted into cash when needed.' The intake form on the 'Get Started' page lists common reasons for selling a policy: can't afford premiums, no longer need the insurance, healthcare needs, long-term care needs, supplement retirement savings, tax planning, home improvement, assisting a loved one, travel/entertainment, need money now, or other. Policyholders are also asked their zip code, age, policy face amount, health relative to peers, and policy type (Term Life, Term Non-Convertible, Universal Life, Whole Life, Other/Unknown, or Don't Know).
- Reasons to sell listed: unaffordable premiums, no longer needed, healthcare, long-term care, retirement supplement, tax planning, home improvement, helping a loved one, travel/entertainment, immediate cash
- Policy types accepted: Term Life, Term (Non-Convertible), Universal Life (UL), Whole Life (WL), Other/Unknown
Purchasing and Closing Process
According to the firm's website, when Eternal Equity Solutions purchases a life insurance policy it engages a licensed life settlement provider who examines the closing documents — including the purchase agreement, escrow agreement, HIPAA authorization, death-certificate release, and limited power of attorney — and then places the funds in escrow while ownership forms are submitted to the insurance carrier. Once the ownership change is officially recorded, the carrier notifies the buyer and the escrowed funds are released. The site notes that the policy can be owned through various entities such as an LLC, trust, charitable organization, or personally.
- Licensed life settlement provider engaged for closings
- Documents reviewed: purchase agreement, escrow agreement, HIPAA authorization, death-certificate release, limited power of attorney
- Funding held in escrow until carrier records the ownership change
- Ownership vehicles supported: LLC, trust, charitable organization, or personal ownership
Investment Opportunities for Investors
On the investor side, Eternal Equity Solutions markets life settlements as a way to purchase existing life insurance policies at a discount and collect the full face value when the insured passes away. The firm highlights that life settlements are non-correlated with traditional financial markets, offer portfolio diversification, and may provide attractive returns compared to other fixed-income options. A representative deal posted by the principal on LinkedIn cites an $18 million face-value policy on a 78-year-old insured with no premiums due until age 91 and potential returns exceeding 20%.
- Asset class: life settlements (non-correlated with traditional markets)
- Mechanism: buy policies at a discount, collect full face value at death of insured
- Example deal cited by principal: $18M face value, insured age 78, no premiums until age 91, potential returns >20%
- Marketed benefits: portfolio diversification, potential tax advantages, hedge against market volatility
Profit-Sharing Structure
Eternal Equity Solutions uses a two-tier profit-sharing model. First, investors receive a baseline 15% return on the policy. After that threshold is met, any additional profits are split on a 70/30 basis, with 70% going to the investors and 30% retained by the managing entity.
- Baseline investor return: 15%
- Post-threshold split: 70% to investors / 30% to managing entity
Benefits and Risks of Life Settlements
The firm's website devotes a full section to balancing the appeal and the risks of life-settlement investing. On the benefit side, it lists attractive potential returns, non-correlation with traditional markets, portfolio diversification, possible tax advantages, and a hedge against volatility. On the risk side, it explicitly warns about 'uncertainties in life expectancy predictions, and potential liquidity issues,' and urges investors to 'conduct thorough due diligence, stay informed about industry developments, and carefully assess the potential risks and rewards' before considering life settlements as part of their strategy.
- Benefits cited: attractive returns, non-correlation, diversification, tax advantages, hedge against market volatility
- Risks cited: life-expectancy prediction uncertainty, liquidity issues
- Investor advice: thorough due diligence and ongoing education
Leadership: Asher Alan Spiegel
The public face of Eternal Equity Solutions is Asher Alan Spiegel, who describes himself on LinkedIn as an 'Experienced Policy Buyer and Servicer specializing in underwriting and evaluation of policies for investment and structured financed life insurance.' His experience in life-settlement underwriting dates to September 2009, giving him roughly 16+ years in the field at the time of writing. His areas of expertise listed on LinkedIn include policy underwriting and evaluation, investment and structured financed life insurance, risk assessment and management, client relationship management, negotiation and deal structuring, and due diligence and compliance. He holds a B.B.A. in Real Estate Development from Yeshiva University.
- Title: Policy Buyer and Servicer / principal
- Industry tenure: September 2009 – present
- Education: B.B.A., Real Estate Development, Yeshiva University
- Core expertise: underwriting, structured financed life insurance, risk assessment, negotiation, due diligence
Testimonials
The Eternal Equity Solutions homepage features three named client testimonials: Jillian J. Dooley, Elizabeth Sofia, and Freda B. Walker. The body text of each testimonial appears on the site under a 'Testimonials' heading. Full individual testimonial content was not captured verbatim in the available search excerpts.
- Jillian J. Dooley
- Elizabeth Sofia
- Freda B. Walker
Contact and Getting Started
Prospective clients can reach Eternal Equity Solutions by phone at 323-690-1043 or by email at [email protected]. The mailing address is 5850 W 3rd St, Los Angeles, CA 90036. A 'Get Started' page provides an intake form that collects first name, last name, phone, email, zip code, age, policy face amount, reason for sale, health status, and policy type. The site also publishes a Terms and Conditions page and a Privacy Policy page, both dated to the 2023 website edition.
- Phone: 323-690-1043
- Email: [email protected]
- Address: 5850 W 3rd St, Los Angeles, CA 90036
- Intake form collects: contact info, zip, age, policy face amount, reason for sale, health, policy type
- Legal pages: Terms and Conditions, Privacy Policy
Catholic / Faith-Ownership Status
There is no statement on the Eternal Equity Solutions website, and no public social-media profile discovered through web search, in which the firm self-identifies as Catholic-owned, Christian-owned, faith-based, or a ministry. The principal's education at Yeshiva University is the only faith-related biographical detail publicly visible. Because of this, the firm's Catholic-ownership status cannot be confirmed and is left as null rather than inferred.
- No Catholic, Christian, or faith-based self-identification found on the company website
- No official social profiles discovered that reframe the firm as a ministry or faith-based business
- Principal's education: Yeshiva University