Step 1: Investor decides to use non-qualified (cash) or qualified funds (retirement account) to purchase life settlements, and signs the appropriate documents.

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Step 2: Funds are sent to an account at First Western Trust Bank. 
 

Step 3: A portion of the invested money is transferred into a separate policy maintenance reserve account.
 

Step 4: Investors receive a copy of the completed offering documents, detailing their ownership of a portion of the portfolio of policies. 

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Step 5: When a policy matures, the insurance carrier pays the claim to the account at First Western Trust Bank.

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Step 6: Investors are paid their share of the proceeds.