Higher standards of medical care have led to an increase in life expectancy of people. In India, the annual growth rate of elderly population is 3%, more than the 1.9% growth rate of the population as a whole. The large numbers of elders in our society enjoin on policy makers and governments to ensure a financially secure old age.

Reverse Mortgage is to a large extent, a solution for those senior citizens who do not have a substantial source of liquid assets to depend on. Through Reverse Mortgage, their homes can be virtually transformed into a steady source of cash flow, till the time of their death, giving them the financial independence to live a comfortable life with dignity. A spin off from the Reverse Mortgage policy is that the property-oriented family disputes that lead to parents being subjected to abuse over inheritance issues by and large disappear.