Press Releases and News

Due to growth Cambridge Guarantee and CG Analysts have relocated to new office premises at:

3rd Floor
St Vincent House
1 Cutler Street
Ipswich IP1 1UQ
United Kingdom.

Tel: +44 (0)1473 226106

Fax: +44 (0)1473 215461

9 May 2022

CG Analysts (CGA) are making final preparations to bring life settlement policies and portfolios to the tertiary market for sale. In April, the company will be launching the sales side of the Policy Management Portal (PMP), its revolutionary life settlements process management and auction portal, the online vehicle through which all sales will be made.

CGA, already well known in the market for its wide range of specialist services provided to institutions in the longevity/life settlement sectors, recognized a need in the market for a sale/purchase process management system that ensures transparency, simplicity, confidentiality and security. The solution is PMP, a policy management system which will effectively handle every stage of a policy sale. PMP will manage the entire process from initial bid right through to sale completion in a secure, easy-to-use and intuitive environment and will also include the option to download CGA’s innovative PMP Ticker for live on-screen updates with direct links to all auctions. PMP has been designed with all the features you would expect, such as easy bidding; automatic messaging for outbid notifications, auction start and end alerts etc.; the ability to set a maximum bid amount to allow PMP to automatically increment bids up to the user’s maximum, as well as a personal area for creating and storing notes, viewing account activity and current bids, creating and managing watchlists and messaging CGA through a secure channel.

Sean Quinn, Managing Director at CG Analysts Ltd, said “The aim of PMP is to provide a seamless and efficient transaction process that is currently so lacking in the life settlement market. We believe that PMP represents a first in the industry, given its intuitive, transparent and automated structure and the provision of live updates, both through PMP itself and the associated PMP Ticker application.”

The PMP software and processes have been developed in compliance with CGA’s ISO9001:2015 international standards quality management accreditation. Confidentiality, transparency, risk compliance and data security are of paramount importance in the development process. To protect all data held on the system, PMP operates at 256-bit encryption and has been designed to implement permission levels for each stage, from initial bidding right through to transaction completion. In the initial bidding stage, all interested parties will be able to view sufficient policy information necessary to evaluate a case prior to placing a bid. The ultimate auction winner will gain access to all case documentation for due diligence purposes prior to closing. The closing process itself will also be handled through PMP, allowing the purchaser to track progress on a real-time basis and providing irect interaction with the escrow agent. All activity on PMP is date and time stamped and recorded within the case file for audit purposes.

PMP will be accessible 24/7 and, being time-zone friendly, will operate in users’ local time (based on their computer settings) ensuring that all activity is seen with local timings, regardless of location. Access to PMP will be simple with free registration and no membership or signup fees. Once registered, users will be authorized to view information relating to, and overviews of, each policy available for sale. All bids will be made directly in PMP with on screen help for each stage in a fully automated auction process which includes bidding prompts, updates on the bidding status and access to the PMP secure messaging facility.

Anyone interested in the purchase of life settlement policies and/or portfolios can register their interest now in order to have access to PMP when the system goes live with policies placed for auction. For information or to request an account on PMP email pmp@cganalysts.com

6 March 2019

Following its recent independent ISO audit, Cambridge Guarantee is pleased to announce the successful transition from its ISO 9001:2008 Standard certification to the latest ISO 9001:2015 Quality Standard in specialist financial services; consultancy and analysis; software and IT infrastructure, design, development and support.

Sue Bates, Director, at Cambridge Guarantee said “As a company we have always been dedicated to delivering the highest standard of efficiency and quality in all of our products and processes. Achieving recertification to the new ISO 9001:2015 standard with no reported non-conformities or recommendations for improvement is a huge achievement and is testament to our commitment to continuously review and improve our quality management systems and internal processes whilst also providing the highest quality service to our clients and partners.”

The ISO (International Organization for Standardization) is a non-governmental, independent, international organisation that promotes standards which provide world-class specifications for products, services and systems ensuring quality, safety and efficiency. The ISO 9001:2015 standard is an international recognition given to organisations who implement a rigorous and effective quality management system which focuses on quality systems, risk management and performance.

The Cambridge Guarantee Group of companies has become a recognized leader in the longevity, life insurance and life settlement market sectors. It provides a range of products, services and software solutions for the life settlement sector and other alternative asset markets.


View the ISO 9001:2015 certificate:
Cambridge Guarantee ISO 9001:2015 certificate

12 February 2018

The Cambridge Guarantee Group was founded on 31 January, 2007 and has since grown to become a recognized leader in the life insurance and life settlement market sectors.

Sean Quinn, CEO at Cambridge Guarantee, said “Over the past ten years, we have witnessed huge changes in the life settlement sector as the industry has matured. Although there is still a long way to go, particularly as far as consumer awareness is concerned, we believe that the market is here to stay and will continue to offer opportunities to consumers and investors alike for many years to come.

Through our services and software, we currently cover in the region of $20 billion in face value and we look forward to continuing to grow our business and client base over the next ten years.”

To mark this significant milestone, for ten days only, Cambridge Guarantee is offering half price subscriptions to its Cambridge Life Analytics^® software packages including features such as life expectancy estimation, premium optimization, policy valuation, investment appraisal and COI rate analysis.

This celebratory offer is valid for ten days only from February 1 to February 10, 2017 for new subscribers only, using discount code ‘10YEARS’.

1 February 2017

Cambridge Guarantee, a recognized leader in the longevity and life settlement market sector, is pleased to announce the publication of its new white paper “COI rate risk: An analysis of the cause and effect”.

Following industry and media reaction to the increase in Cost of Insurance (COI) rates by some insurance carriers and the resulting law suits, this white paper explores:

• Potential reasons for increases in COI rates and their possible implications
• Ways to deal with COI rate increases
• Potential reasons for decreases in COI rates and their possible implications
• What we might expect in the future
• Possible effects on the size of the life settlement market

The white paper, ‘COI rate risk: An analysis of the cause and effect’ is available to download from https://www.cambridgeguarantee.com/resources/coi_white_paper.

15 December 2016

COI Application Program Interface (API) added to the Cambridge Life Analytics^® (CLA) secure online software suite.

Recognizing the importance of being able to monitor and analyze changes in COI rates, Cambridge Guarantee have developed a COI Application Program Interface (API) within the Cambridge Life Analytics^® software suite.

The new COI API feature makes it possible to:

• Easily visualize the impact that COI rate changes have on individual policies
• Extract and download COI rate data to Excel
• Analyze and monitor COI rate changes over time

The COI API is included in CLA Premium Projections, CLA Standard and CLA Preferred, all of which are available on a flexible subscription basis with no costly or lengthy contracts from www.cambridgelifeanalytics.com.

15 December 2016

In recognition of the continued growth in interest in Cambridge Guarantee and its products and services from partners and institutional investors in China, we are pleased to announce the release of our new website at www.cambridgeguarantee.com which is now available in both English and Chinese.

We invite you to visit the new website in order to gain a better understanding of what we do and the exciting market in which we work. We truly believe that, in today’s financial world, an asset class which is often classed as ‘fixed income’ yet which is almost completely uncorrelated to the main financial markets and achieves returns in excess of 10% per annum is an excellent addition to any balanced portfolio.

23 November 2016

Easily generate credible life expectancy estimation reports using CLA LE Estimator, the new life expectancy estimation tool from Cambridge Life Analytics^®.

Cambridge Guarantee, a recognized leader in the longevity and life settlement market sector, announces the release of its new life expectancy estimation tool. Developed by its in-house medical underwriting and actuarial departments, CLA LE Estimator is designed to automatically generate credible and scientifically backed life expectancy estimation reports on individual and joint lives based on specific health and medical data.

CLA LE Estimator is the latest addition to the Cambridge Life Analytics^® (CLA) secure online software suite designed specifically for the life insurance and life settlement markets. Results generated by CLA LE Estimator are comparable to those seen in the life settlement industry and provide the means to gain valuable insights into both the potential life expectancy of an individual for life insurance planning purposes and the viability of potential life settlement investments.

Sean Quinn, CEO at Cambridge Guarantee, said “The aim of CLA LE Estimator is to provide an additional resource to both the life insurance and life settlement markets, to further enhance the understanding of the potential of life policies, whether as part of estate and financial planning or as a potential investment. We aim to provide a cost-effective way for users to gain an insight into estimated life expectancy as part of the decision process on the merits of obtaining a formal underwriting from a specialist firm.”

Available on a flexible subscription basis without costly or lengthy contracts, users of the estimation tool will benefit from:

• Unlimited case estimations - There is no limit to the number of cases that can be created or life expectancy estimation reports generated and downloaded using CLA LE Estimator within a subscription period.
• In-depth medical conditions and stages - CLA LE Estimator incorporates 132 different medical conditions, their associated stages, complications, treatments and combined effects.
• Credible reporting - Extensive testing has shown a very strong correlation with results generated by leading life expectancy underwriting firms*.
• Flexibility in report generation - CLA LE Estimator allows users to save and revisit existing reports in order to implement amendments and adjustments as required. Completed case life expectancy estimation reports are made available to download and save.
• System Integration - Inbuilt API allows for integration with users’ own systems.

Cambridge Life Analytics^® offer a suite of life settlement software packages for life expectancy estimation, premium optimization, analysis and valuation of life settlement and life insurance policies. CLA LE Estimator can be accessed as a standalone product or as part of the other packages available within the suite.

For more information about CLA LE Estimator, to request a demonstration or to learn about the CLA software suite, please visit www.cambridgelifeanalytics.com.

*It must be noted that this feature is not designed to replace a full medical review and life expectancy underwriting by a specialist firm. It is designed solely to provide an indication of the potential life expectancy of the insured and should only be used when assessing a case’s merits before submission to a specialist life expectancy underwriting firm.

31 March 2016

Cambridge Guarantee are pleased to announce the latest update to our life policy premium optimization and valuation software, Cambridge Life Analytics^®. Combining the advanced actuarial modelling capabilities of our software with the familiarity of Microsoft Excel, Cambridge Life Analytics^® Application Program Interface (API) provides users with the same high level of functionality in a simple to use format. Data entered by users into a standardized workbook is sent to our servers via a secure connection where calculations are run and results returned direct to the user’s computer in either Excel or xml format within seconds.

The upgraded software will allow insurance agents and insured persons to access the same tools as major investors and institutions in the market, Sean Quinn, CEO at Cambridge Guarantee, said. “Our aim, in adding features and subscription options such as these, is to promote education and accessibility, not just for larger market participants, but also for smaller firms and individuals.”

With subscriptions from just 24 hours and an unlimited number of cases, it is perhaps not surprising that Cambridge Life Analytics^® API has become the solution of choice for individuals and institutions in the life insurance and life settlement markets. For further information, please visit https://www.cambridgelifeanalytics.com/features/api-workbook.

16 July 2015

CG Web Systems Limited, part of the Cambridge Guarantee Group, announce the inclusion of the preliminary release of the 2014 VBT Primary Tables into its life policy premium optimization and valuation software, Cambridge Life Analytics^®.

Cambridge Life Analytics^® users now have the ability to use the newly released table on their accounts, “Even though it is a preliminary release of the 2014 VBT Primary Tables, we have implemented them into our software for our subscribers to make use of if they so wish.” Sean Quinn, CEO of Cambridge Guarantee said. “We like to reward our clients for their loyalty by keeping them on the cusp of new technologies and methodologies, which is why we also offer the option to use the 2014 VBT Primary Tables in our Life Settlement Analysis service.”

The Life Settlement Analysis service, which can include premium optimization, policy and portfolio valuation, policy investment appraisal (all with or without shadow accounts) and due diligence, is offered to both the life insurance and life settlement sectors with the aim of promoting greater transparency in terms of the potential value and risks associated with individual policies or entire portfolios.

Cambridge Guarantee will shortly be releasing a white paper examining the differences between the primary tables within both the 2008 VBT and the recently released preliminary 2014 VBT and the potential impact that this may have on the life settlement industry. Interested parties can request a free copy via Cambridge Guarantee’s website at https://www.cambridgeguarantee.com/resources/downloads.

13 November 2014

CG Web Systems Limited, part of the Cambridge Guarantee group of companies who are recognized experts in the longevity and life settlements industry, are pleased to announce the release of a new, web-based actuarial pricing solution, Cambridge Life Analytics^® for life insurance agents, financial and estate planers, accountants, insured persons, trustees, policy owners and life settlement investors.

Cambridge Life Analytics^® is an essential software solution which offers the necessary tools to value and appraise US life insurance policies for life agents, policy owners and investors by creating insightful analysis of life insurance policies for whole, term and universal life.

Currently, policy valuation software in the market is limited due to high subscription costs and long term contracts. CG Web Systems is proud to be offering the first valuation software package which has flexible subscription terms ranging from 24 hours to 365 days.

Sean Quinn, CEO at Cambridge Guarantee, said “It is our aim to provide a comprehensive valuation solution to the wider market by allowing subscription periods from just 24 hours (something that, to the best of our knowledge, has never been done before). This will allow agents as well as life settlement professionals to generate their own valuations and investment and risk analyses without having to spend significant dollars up front or commit themselves to lengthy contracts. In doing so, we hope to bring more transparency and expertise to the market”.

The Cambridge Life Analytics^® software platform offers the appropriate functions to achieve: full policy valuation, premium stream optimization, policy investment appraisals, guaranteed policy charges modeling, projected profitability analysis, mortality sensitivity analysis, premium sensitivity capabilities with detailed excel evaluation reports all accessible from any computer connected to the internet.

For more information visit website https://www.cambridgelifeanalytics.com.

13 May 2014

Cambridge Guarantee Limited is pleased to announce that following independent assessment by an accredited authority it has achieved formal certification in ISO9001:2008 for Quality Management Systems in financial guarantees and associated services.

ISO (International Organization for Standardization) is the world's largest developer and publisher of International Standards. It is a network of the national standards institutes of 160 countries, one member per country, with a Central Secretariat in Geneva, Switzerland that co-ordinates the system.

Cambridge Guarantee provides financial guarantees and associated services and products linked to the U.S. life insurance and Life Settlements markets. It provides consultancy advice, based on in-depth knowledge and expertise, to a range of major global financial institutions, including several top 50 world banks.

28 February 2011

Liam Bodemeaid, Senior Actuary at Cambridge Guarantee, attended the Institutional Longevity Markets Association (ILMA) Investor Summit on May 18 2015 in Dublin.

Liam was joined by Scott Morrow of Lewis & Ellis and Perry Gillies of Lyric Services to deliver a presentation on 2015 VBT and the underlying effect on the life settlement industry.


View the presentation:
Potential Impact of 2015 VBT on Policy Values

18 May 2015

Any investment in a life settlement policy results in multiple costs, but what is the risk that these costs will amount to more than the benefit value of the policy?

This white paper analyses the life settlement market in detail and explores where the risk can occur. Drawing on our in-house expertise, we are able to offer an in-depth conclusion on the downside risk on the life settlement policies.

Download the white paper:
An Examination of Life Settlement Downside Risk.

5 January 2016

Following the preliminary release of the long awaited 2014 VBT Primary Tables, Cambridge Guarantee have published a white paper which examines the impact that these new tables might have on the life settlement industry.

Download the white paper:
An examination of the potential effects of the 2014 VBT Primary Tables on the life settlement industry.

8 December 2014

This article considers the role an agent or broker can play in maximizing the performance of a policy throughout its lifetime in both the short and the long term, thereby continually enhancing the relationship of client and trusted advisor.

Read the article:
Maximizing Policy Performance

9 November 2015

While the accumulated value created through paying level premiums has a role to play for a client who is fit and well, is it always the best option?

Read the article:
Illustrated vs. Adjusted Premiums: What's Best for the Client?

20 October 2015

Every year, consumers are throwing away billions of dollars. Industry statistics show just how shocking the numbers are.

Read the article:
Life Insurance - Shocking Statistics

24 November 2015

Sean Quinn, CEO, Cambridge Guarantee Group, participated in a panel discussion on Advances in Life Expectancy Reliability at the IQPC 10th Insurance Linked Securities Summit held in Southampton, Bermuda, on 18-20 July 2011.

Key topics for discussion were:

• Key changes to mortality tables underlying current evaluations
• How life expectancy change in the future will have an effect in the markets
• How LE providers can work together to be more responsive to investors

Sean was joined on the panel by Mr Mike Fasano, President, Fasano Associates and Mr Jeff Mulholland, Société General.

18 July 2011