Each month, the highly skilled analysts at Pacific West Capital sort through more than $500 million of universal life insurance policies. Their goal is to bring clients the low-risk, competitive yield contracts that diversify portfolios and protect against market volatility. The California-based firm never buys term policies, so it never passes these risky investments onto its clients. A $20,000 investment can buy a share in the beneficiary interests of a non-contestable life policy. When the policy matures, investors can expect to double their money or more. With higher contributions, California investors can purchase additional shares in the same policy or spread their investment over multiple policies.