The Havelet Fixed Plan is designed to provide a fixed, guaranteed rate of return for qualified and non-qualified (non-personal injury) cases. Payments are guaranteed and reinsured by a NYSE traded holding company that specializes in reinsurance solutions through the assumption of life and fixed annuity obligations.
Unlike traditional fixed annuities, the premium for each annuity is separated from the insurance company's general account and each client's assets are held in a separate sub-trust. The result is a secure arrangement that is held in trust with an independent custodian.
Expanded investmentment opportunities enable the Havelet portfolios to outperform those of traditional fixed annuity providers. An illustration will be created for each case and rates of return will vary depending upon payment and deferral constraints.