About Ress Capital
We are authorised and regulated as an alternative investment fund manager (AIFM)
We have since 2011 bought a diversified life insurance portfolio on behalf of Ress Life Investments, which is listed at NASDAQ Copenhagen. Proprietary portfolio management systems and pricing models have been developed, in order to gain an advantage when purchasing policies. The company also collaborates with external medical underwriters specialising in senior mortality in order to provide more accurate assessments and mortality distributions.
Our management team has extensive experience in life settlements, complimentary backgrounds and international experience from having worked at major banks and hedge funds. The board of directors consists of both successful entrepreneurs and senior managers with extensive experience from the financial industry.
WE OFFER ALTERNATIVE RETURNS
The secondary market for US life insurance policies offers long-term investors both risk diversification and attractive returns. The main risk, longevity, is uncorrelated to most other asset classes. We have since 2011 sourced life insurance policies in order to build a diversified life insurance portfolio. Our strategy aims to systematically mitigate the longevity risk by carefully selecting policies using quantitative methods. The fund obtains a life expectancy report from an independent medical underwriter, in most cases. Our proprietary premium optimization algorithms are highly advanced and create a competitive advantage.
THE MARKET
The secondary market in US life insurance policies, also known as life settlements, offers investors the opportunity to purchase life insurance policies at a discount to face value. A report released in 2019 by Conning, predicts that by 2028, the market will have seen an impressive $212 billion of life settlements, while on an issuance basis the average volume of its ten-year forecast for new life settlements is approximately $6.4 billion annually.
The key investment features making this an attractive asset class are attractive returns combined with excellent credit quality and low correlation with bonds and equities.
