Vertically integrated specialists in the U.S. longevity and life settlements sectors
- 85+ Years of collective management experience
- ~$500m securitised across U.S. life insurance policies
- $8m+ invested in proprietary technology and R&D
- $37b+ face value of policies screened since 2018
- 101.1% life expectancy actual-to-expected ratio
Above figures as at December 31, 2025
Our Management
Led by a management team combining over 85 years of collective industry experience, CG Analysts maintains an in-house team of specialist doctors, medical underwriters, actuaries, due diligence specialists and IT professionals, with an average tenure in excess of eight years.
This level of expertise has led to us being recognised as a leader in the life settlement sector with institutions throughout the world subscribing to receive our whitepapers and educational resources.
Sean Quinn
Managing Director
Sean has over 30 years of financial markets experience and has been active in the life settlement industry since 2004. He has worked alongside major banks, funds and rating agencies, developing innovative insurance-linked structures and longevity solutions.
Sue Bates
Director
Sue oversees day-to-day operations and serves as AML and Data Protection officer.
Her background includes the British Embassy in Washington DC, the British Council and the UK National Criminal Intelligence Service (NCIS),
bringing strong operational and regulatory expertise.
Glenn Read
Director
Founder shareholder Glenn Read supported the company’s early-stage structuring and development. With more than 50 years of business experience, he provides commercial oversight and strategic guidance.
Fergus Bescoby
Head of Medical Underwriting
Fergus is an accomplished medical underwriter with over 35 years’ experience in the life insurance industry. Previous roles include Chief Underwriter for Munich Re of Africa and subsequently Distribution and Marketing Underwriting Manager for Vitality Life.
Fergus’s overall understanding of the risk assessment process, coupled with his excellent medical knowledge allow him to ensure that all life settlement underwriting assessments undertaken by his department (consisting of experienced underwriters and doctors) are provided in an accurate, holistic and prudent manner.
Bhratheeban Balakumaran
Head of Actuarial
Bhratheeban started his career in the actuarial department at HNB Assurance in Sri Lanka. Over the past decade, Bhratheeban has gained significant expertise in the life settlement sector and has an in-depth knowledge of a wide range of products, allowing him and his department of fully and part-qualified actuaries to extract maximum value whilst effectively managing risk. Bhratheeban is a Fellow of the Institute of Actuaries.
Jessica Dixon
Head of Due Diligence
With a background in information gathering and marketing, primarily in the insurance
and banking sectors, spanning almost 30 years, Jessica has built a highly effective
and efficient team whose role is to ensure that non-financial risks are mitigated to the fullest extent possible.
Chris Sabin
Head of IT
With over 20 years IT management experience in the insurance sector, Chris leads the IT strategy which ensures resilience and security in an ever-changing digital environment.
Since joining the company in 2015, Chris and his team have been instrumental in the development of a range of now industry-leading software solutions, including for the valuation of life settlements, forecasting of life expectancies, policy and portfolio management and an industry-wide life policy auction platform.
Our Advantage
Over the past two decades, CG Analysts has focussed on vertically integrating its business, allowing it to control all primary aspects including origination, medical and actuarial underwriting, due diligence and software development.
Having originally provided services and solutions to third-party institutions, CG Analysts’ main focus is now its own Luxembourg-based investment subsidiaries. Well established relationships across the U.S. domestic life settlement market and with active investors in the asset class around the globe give CG Analysts a broad reach to all areas of the market.
Get in touchIf you would like more information about what we do and how we can help you, please contact us.
Having been an active participant in the life settlement market from its early days, CG Analysts has established relationships with the majority of actors in both the ‘secondary’ (original owner to investor) and ‘tertiary’ (investor to investor) markets, thereby allowing us a wide field from which to source policies and portfolios.
Our experience, gained from the analysis of thousands of policies issued by a wide range of US carriers, allows us to maximise potential premium savings and hidden benefits including those within shadow accounts.
Significant experience within the sector, including in-house analysis of the accuracy of life expectancy predictions, allows us to provide sound, evidence-backed valuations of individual life settlement policies or entire portfolios.
Valuation is just one part of the analysis process. CG Analysts’ services also include due diligence, origination, exposure limit, credit / portfolio / life impairment reviews, market intelligence etc.
CG Analysts will work with you to model and structure your portfolio in accordance with your investment requirements.
Whilst CG Analysts cannot provide legal or tax advice, we can provide expertise gained through experience on efficient vehicle structuring. Due to the unique nature of life settlements, it is vital that all parties (such as custodians, securities intermediaries, escrow agents, servicers, tracking agents etc.) have expertise in the sector. CG Analysts can also facilitate introductions to all relevant parties including specialist legal and tax practitioners if required.
As legislation or best practices evolve, it is sometimes necessary to review and restructure existing vehicles and portfolios. Unfortunately, it is also the case that some investment vehicles or portfolios underperform or do not meet investor requirements.
CG Analysts can be retained by fund managers, board members or investor committees to carry out an impartial review and to report on and, where possible, provide solutions to any issues that may be identified.
Restructuring may range from a partial disposal of underperforming policies to a wholesale change in valuation methodology, vehicle structure or management approach.
Whatever the need, CG Analysts will provide a detailed report outlining what the issues are, why they are relevant, the suggested route(s) to addressing the issues and the likely outcome. Where a more wholesale change is required, CG Analysts work with clients to agree and implement a course of action. This may include the introduction of specialist service providers where appropriate.
Our Credentials
Combining our industry knowledge, proprietary technology and institutional operating discipline we specialise in policy/portfolio origination, medical underwriting, valuation and due diligence, along with vehicle structuring, and mortality research.
We never stop innovating
Due to the specialist nature of the life settlement industry and its specific software demands, we ensure operating efficiency by developing our own bespoke solutions in-house which bring a heightened level of sophistication and transparency to the sector.
We never stop learning
As we recognise that there is always room for improvement, CG Analysts actively supports and encourages continued study and professional development for all of our employees in their respective fields.
As the life settlement market continues to evolve and grow, so do we. CG Analysts’ mission is to remain a leader in technological advances, best practices and transparency whilst providing its employees with the opportunities and tools to reach new heights in their own careers.
