For nearly 20 years, mutual fund managers, investment bankers and institutional money managers have known about the power of life settlement transactions. Pacific West Capital has adapted their tactics and opened this investment opportunity to the general public in California. With a $20,000 investment, each customer can see a 100 percent return or greater. The minimum contribution buys a percentage of the death benefit proceeds in a specific life insurance policy. When the insured passes away, the grade-A insurer pays out and the proceeds are distributed proportionally to each investor by an independent trustee. While the annual rate of return can vary, life insurance settlements offer competitive returns in a low-risk asset class.