INNOVATIVE SETTLEMENTS

Financial consultation and brokerage; life insurance brokerage; brokerage of illiquid assets that do not have an immediate cash value, namely, annuities, lottery pay-outs, in-force life insurance policies and lawsuit payments over time, that are owned by individuals or by companies insuring the elderly or terminally, chronically or seriously ill, to viatical and life settlement companies, investment groups, individuals and other providers of viatical and life settlements and financial services, namely, money lending to elderly or ill persons to allow them to access cash from all or part of their life insurance policies or illiquid assets, namely, assets that do not have an immediate cash value, namely, annuities, lottery pay-outs and lawsuit payments over time that are owned by individuals or by companies