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EMERGENT CAPITAL:
Creating Successful Investment Portfolios
with Life Settlements

Emergent Capital is a global leader in the life settlements industry with decades of experience creating value through the secondary and tertiary markets for life insurance policies.

Life settlements are a unique asset class that can be found in the investment portfolios of well-known investors and successful asset managers. Unlike many other investment classes, life settlements have limited correlation to the stock market or the larger economic market as a whole, and can serve as a hedge against the volatility of more market-dependent investments. Life settlements also represent a compelling and diversified investment opportunity to include longevity risk in a portfolio.

Life insurance is a necessity for millions of Americans, regardless of the current state of the economy. Instead of letting these policies lapse when they are no longer needed, these investments can be sold, usually for a greater return than the surrender value of the policies. Emergent Capital has access to an extensive and proven network of life settlement brokers and third-party providers from whom the company sources attractive and value-added policies.

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About Us

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Emergent Capital, Inc. (NYSE:EMG) is a specialty finance company that invests in esoteric asset classes, primarily life settlements. The company purchases individual policies and portfolios of life insurance policies. It manages those assets based on comprehensive actuarial and market data.

Led by a management and investment team that is nimble, market-tested and committed to making sound investment decisions, Emergent Capital provides market leadership to the life settlement industry and a timely investment alternative to investors.

Our Business

Emergent Capital was founded in 2006 as Imperial Holdings, LLC and has been publicly traded on The New York Stock Exchange since 2011. It began as a specialty finance company providing customized liquidity solutions to owners of illiquid financial assets in two distinct markets — Life Finance and Structured Settlements. The company’s management has a long and successful history in helping to build specialty finance companies which have become leaders in the life and structured settlements businesses.

In the spring of 2015, shareholders voted to change the company’s name to Emergent Capital, Inc. The new name — Emergent Capital — better reflects the company’s leading position as an investor in short and long-term life settlement investments.

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A Focus on Life Settlements

Emergent Capital is a global investor in life settlements — an alternative asset class that can provide high uncorrelated returns. As one of the largest global investors in life settlements, the company seeks out accretive opportunities to grow its existing portfolio of life settlements by deploying capital in both the secondary and tertiary life settlement markets.

Emergent Capital has access to an extensive network of life settlement brokers and third-party providers from which the company is able to build diversified life insurance portfolios. An Emergent Capital subsidiary is also able to act as a licensed life settlement provider in more than 30 states where it is able to pursue multiple opportunities within the life settlement space. By leveraging its extensive network and years of industry experience, Emergent Capital aims to generate a consistent flow of investment opportunities covering all aspects of the life settlements market place. These range from lending to outright purchases of portfolios, to tertiary trades, as well as individual secondary market purchases.

Emergent Capital owns a total portfolio of over 600 life insurance policies (as of June 30, 2015) with an estimated fair market value of $389 million and an aggregate death benefit in their investment in life settlements of $2.9 billion. The average age of the insured is 81.2 years old and over half of the total number of policies represent insured of 80 years old or older. The average weighted life expectancy is 10.4 years and the average death benefit per policy is approximately $4.7 million.

Management

Emergent Capital’s senior executive team and staff represent more than seven decades in the financial markets. The leadership group is comprised of industry leaders committed to best practices, transparency and delivering shareholder value.

ANTONY MITCHELL

Chief Executive Officer & Director
Considered to be one of the early pioneers in the life settlement industry, Antony Mitchell has had a successful career building specialty finance companies that have become leaders in the life and structured settlements industries. He has served as the chief executive officer of Imperial Holdings since its founding in February of 2007, and prior to August 14, 2012, also served as its chairman.

Mr. Mitchell has over 25 years of experience in the financial industry which includes serving as chief operating officer and executive director for Peach Holdings, a provider of specialty factoring services. Mr. Mitchell was also a co-founder of Singer Asset Finance Company, one of the first companies to acquire insurance policies, structured settlements and other types of receivables. He serves on a number of boards and is also a director and past chair of the board of directors of Polaris Geothermal Inc., a renewable energy company listed on the Toronto Stock Exchange.

RICHARD O’CONNELL, JR.

Chief Financial Officer & Chief Credit Officer
A well respected and experienced life settlement executive, Richard “Rory” O’Connell has been chief financial officer and chief credit officer of Imperial Holdings since 2010. Previously, he was chief financial officer of RapidAdvance and has served in executive positions with leading financial companies including Insurent Agency Corporation, a provider of tenant rent guaranties to apartment REITs, and the Industrial Bank of Japan.

Mr. O’Connell was president of Telomere Capital, a life settlement company, and prior to that had served in various senior capacities for Enhance Financial Services Group, including as president and chief operating officer of Singer Asset Finance Company and senior vice president and treasurer of Enhance Financial.

MIRIAM MARTINEZ

Senior Vice President, Finance & Operations
With more than 30 years in the financial services industry, Miriam Martinez is a highly accomplished business leader. She joined Emergent Capital in 2010 as senior vice president, finance and operations. She manages the company’s financial resources and functions, participates in strategic planning and oversees operational departments including human resources and servicing.

Prior to joining Emergent Capital, Ms. Martinez served as regional president and CFO of Qimonda North America and was vice president and CFO of Infineon North America, a $1.5B US subsidiary of German-based Infineon AG. She has also held several senior positions in accounting management for various US entities of Siemens AG.

Ms. Martinez received a Bachelor of Business Administration in Accounting from Pace University and a Master of Business Administration from Nova Southeastern University. Outside of the office, Ms. Martinez enjoys golf, boating and tennis and is a member of the Junior League of Boca Raton.

MICHAEL ALTSCHULER

General Counsel
Michael Altschuler joined Emergent Capital as associate general counsel in December of 2010 and has been general counsel since April of 2011. He is responsible for all legal matters and advises the executive team and Board of Directors on policy acquisitions and financings, capital raising, reporting, investor relations and corporate governance.

Previously, Mr. Altschuler served as director and counsel at UBS Investment Bank where he worked within the Global Syndicated Finance and Debt Capital Markets groups. In this role, he was responsible for covering bridge lending, high yield debt and liability management transactions. Earlier in his career, Mr. Altschuler was associated with the law firm of Latham & Watkins, LLP where he practiced in the capital markets and company representation practice groups.Mr. Altschuler received a Bachelor of Arts from the University of Michigan, with honors, and received a Juris Doctor from Columbia Law School where he was a Harlan Fiske Stone Scholar. Mr. Altschuler is a regulatory committee member of the European Life Settlements Association. He lives in Boca Raton, Florida with his wife and children.

DAVID SASSO

Senior Vice President, Corporate Development & Investor Relations
An accomplished communications professional with more than 20 years of experience, David Sasso joined Emergent Capital in 2011 as director of investor relations. Previously, Mr. Sasso served as senior consultant at American Capital Ventures, where he worked with several small cap growth companies. He also served as vice president of investor relations and corporate communications at Transax International, a network solutions provider for the healthcare sector, where he oversaw all public and investor relations efforts. Earlier in his career, Mr. Sasso was director of investor relations at MKTG services and vice president at the Abernathy MacGregor group, a financial communications agency.

Throughout his career, Mr. Sasso has worked closely with well over 150 small and micro-cap companies as well as large cap companies such as Comcast, Viacom, CBS, Blockbuster, Grupo Televisa and DoubleClick. Mr. Sasso holds a bachelor's degree in English and Italian from the State University of New York at Albany and is fluent in Italian.

Investors / Newsroom

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Emergent Capital, Inc. is a specialty finance company that invests in esoteric asset classes, primarily life settlements. The company purchases individual policies and portfolios of life insurance policies. It manages those assets based on comprehensive actuarial and market data.

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Memberships

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The Life Insurance Settlement Association (LISA), headquartered in Orlando, is the oldest and largest organization in the life settlement market. The association’s mission is to advance the highest standards of practice and professional development for the industry.

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The European Life Settlement Association (ELSA), based in London, is dedicated to the promotion of best practice and the positive development of the European life settlement industry’s reputation amongst all stakeholders. Emergent Capital’s in-house counsel, Michael Altschuler, serves on ELSA’s regulatory committee.

Preventing Life Settlement Fraud in New York State

Contact

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Whistle blower hotline: 800-916-7037

NYSE LISTED EMG

Investor Relations:

David Sasso
Senior Vice President, Corporate Development & Investor Relations
561-995-4300
dsasso@emergentcapital.com

Media relations:

Henry Feintuch / Richard Anderson
Feintuch Communications
emergentcapital@feintuchpr.com
212-808-4901 / 718-986-1596

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