Investment Strategy

RiverRock applies a disciplined investment philosophy and an integrated process focused on fundamentals in the mortality and longevity alternative market. The investment objective is to generate stable, long-term returns through buying and holding select life settlement policies to maturity.

RiverRock’s approach to life settlements investing is centered on the logical premise that living standards have an impact on longevity. We focus on smaller sized policies through a refined selection process, deeper analysis, and proprietary underwriting standards, which allow us to fine tune policy selection and structure portfolios around a targeted distribution curve. Investment in a defined portfolio that remains static over the term of the fund allows for the natural progression of the mortality cycle.

The Life Settlement Valuation Process
  • Actuarial analysis
  • Cost of insurance
  • Mortality tables
  • Policy structure
  • Life settlement risk premiums

Investors should consult with their own professional advisor regarding the potential tax, estate, and legal considerations that may arise in connection with entering into a life settlements transaction. Proceeds from a life settlement transaction may be taxable under federal or state law to the extent the proceeds exceed the cost basis. The proceeds from a life settlement transaction may be subject to claims of creditors. The receipt of proceeds from a life settlement transaction may adversely impact eligibility for government benefits and entitlements. The amount received for the sale of the Policy may be impacted by the circumstances of the particular purchaser of the Policy, the insured’s life expectancy, future premiums, the death benefit, the terms of the Policy, and the current market for insurance policies, among other factors. The amount received for the sale of the Policy may be more or less than what others might receive for the sale of a similar policy. There may be high fees associated with the sale of a life settlement.