Health Care Benefits, Ltd., has been in the health care and insurance business since 1997. From the beginning Health Care Benefits, Ltd. / Unicare, Inc. offered a medical discount card covering Dental, Vision, Hearing, Chiropractic and Prescription Drugs. With over 67,000 providers nationwide, it became one of the nations largest networks. Health Care Benefits, Ltd./Unicare, Inc. clients included JC Penney, Safeguard Health, Sears, Maxicare Health and Educators Mutual Life. Health Care Benefits, Ltd.'s teams of underwriters and professionals have a combined experience of over 40 years in the insurance business. As a purchaser of life policies Health Care Benefits, Ltd. has developed a broad network of insurance agents throughout the United States. Health Care Benefits, Ltd. has gone through the rigorous approval process for the purchasing and selling of Life Settlement policies. Life settlements are transactions involving individuals who, though not necessarily terminally ill, wish to sell a life insurance policy they no longer need. There are a variety of reasons why a policy would be sold: to benefit from the current cash value, or perhaps it was purchased to meet estate planning needs that no longer exist. Other reasons include a corporation that owns a policy on an executive who has left the company or the insured is no longer able to make the policy premiums. Today the life settlement market is in excess of $134 billion and growing rapidly. Health Care Benefits, Ltd. has completed several corporate refinancings using the life settlements policies as part of the banking equation to fill the financing gap needed to restructure their loans. Additionally, several new companies have been started using the life settlements to purchase certain assets from the sellers of those assets as well as using them with the lending banks to obtain additional funds needed to complete the purchase thereby using less money on the down payments. The policies are also purchased by different institutional clients to enhance their portfolios performance using these A rated policies, bought at a discount from face value. This alternative investment doesn't have any stock market risk associated with it either. Health Care Benefits, Ltd. purchases life settlement policies using its own revolving lines of credit and has resold these policies for a profit. Thanks to Health Care Benefit's successes in the above business ventures additional new banking relationships have developed thereby increasing Health Care Benefit's ability to do more and larger transactions.