If you have a life insurance policy you can sell it to someone else, they will pay your premiums and collect the money when you die. If your life expectancy is 40 years then this policy isn't worth much because there are a lot of premiums left to play but if you have cancer and your life expectancy is say 1 year then this policy is very valuable. But then whoever owns the policy wants you to die as soon as possible so they get the biggest possible payout. Apparently banks and hedge funds can buy pools of these policies from brokers. Is it just me or do I see another wall street scandal coming?