Risk Factors

An investment in the Bonds of Lighthouse Life Capital, LLC (the “Company”) is considered speculative. There are no guarantees of distributions or returns, and an investor may lose all or part of their investment. There are various risks related to an investment in the Bonds which are described in the respective investor offering circular. These risks include, but are not limited to:

• The Bonds may not be suitable for certain Investors.
• The Bonds will be highly illiquid. No trading market exists or will ever develop.
• The offering is a “Best Efforts” offerings, and if the Company is unable to raise substantial capital, the Company may be limited in the number and types of investments it is able to make, which could have a negative effect on diversification and investment results.
• The Company depends on key personnel and its affiliates, the loss of any of whom could be detrimental to the Company’s business.
• The Bonds are not obligations of our subsidiaries and will be subordinated to all of the liabilities of the Company’s subsidiaries, if any. Such subordination increases the risk that we will be unable to meet our obligations on the Bonds.
• We are not limited in the amount of distributions we may make to our parent and sole member, LHL Strategies, Inc.
• There are substantial risks associated with the life settlement market.
• Economic, regulatory, financial, and credit markets that affect the overall demand for and ability of investors to finance life insurance policy purchases such as a prolonged economic recession caused by COVID-19, involve substantial risks.
• Our predecessor has a limited history of operations and a history of operating losses. Consequently, our future earnings and cash flows, if any, may be volatile, resulting in future losses and uncertainty about our ability to fulfil our obligations under the Bonds including honoring redemption requests of the Bonds.
• We are controlled by our sole member and Bondholders will have no control over changes in our strategies, policies and day-to-day operations, which lack of control increases the uncertainty and risks you face as an investor in the Bonds. In addition, we may change our strategies and operational policies without your approval.
• The continuing spread of a new strain of coronavirus (also known as the COVID-19 virus) may adversely affect our ability to generate revenues.