A multibillion-dollar market has emerged, allowing investors to buy life insurance policies from individuals. These investors then collect the payout when the policyholder dies.

This market is linked to the AIDS crisis, which played a role in its creation. Further details about this market and its history are available from the source.

The process involves investors purchasing life insurance policies from policyholders, who then receive payment upfront. The investors later collect the payout upon the policyholder's death.