Since life insurance settlements do not fluctuate like stocks, bonds or mutual funds, the more frustrating aspect seems to be not knowing the maturity date. Pacific West Capital Group has improved investor confidence over the past five years by working to accurately assesses life expectancies. This process closely matches insurance company projections but concentrates on the unique life settlement industry. After adjusting a payout date by just one year, investors can theoretically see an increase of five percent or more to their annual rates of return. While the total return remains at 100 to 150 percent, the annual return can be an important gauge for how well this investment fits into a person’s portfolio.