This is a longevity investment strategy. Our investment philosophy is to buy and hold a well-diversified portfolio of physical US life insurance policies issued by highly rated US life companies emanating from both secondary and tertiary life settlement markets. This is achieved through a research driven, value based approach of policy selection and stringent due diligence to maximise return and minimise risk.
The foundation of this investment philosophy is that risk and reward, in the first instance, is assessed at an individual policy level. Therefore, only when a pool of policies have passed the threshold for inclusion are traditional fund management portfolio construction techniques applied to manage the risk/return profile at a portfolio wide perspective. Understanding the trade-off between risk and reward is essential for this longevity investment. If a client is considering a different risk profile to our existing funds, we can modify our policy acquisition criteria accordingly.
Investors choosing to enter the market through an already existing pool of polices, such as GIS General Fund, can be assured that our funds are established in highly regulated and compliance-orientated environments and the services of leading custodians and service providers are employed to protect the underlying assets.
We appreciate that our investors have varying investment objectives and risk appetites and the existing pooled products may not entirely satisfy all investors. With this in mind, our bespoke fund management solutions are designed to guide you through the risks and enhance the opportunities available in the asset class.