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