Conestoga International offers liquid life settlements to accredited investors. These unique investment opportunities are available due to a federal law that classifies life insurance policies as private property, which in turn allows individuals to offer their policies for sale on the secondary market rather than surrendering them or enabling them to lapse. Conestoga International offers an interest in these policies to investors. Conestoga International seeks to optimize returns by providing each investor with known payouts of double the initial investment. Conestoga is the only company which offers investors a refund (Liquid) of the initial purchase price, less premium payments, at any time during the investment relationship. Conestoga International also partners with six separate service providers, each of whom handles different aspects of policies and administration. These include audit, trust, and legal matters as well as information services and management of premium payments. Company representatives call each insurance company on a monthly basis to manage premiums on policies. Such relationships allow Conestoga to provide transparent services and ensure that no individual has control over client assets.