It all starts with one simple, yet powerful idea: purchasing life insurance in the secondary and tertiary markets at a discount can produce high returns. The advantage of this transaction, known as a life settlement, is that it provides an opportunity for attractive returns even in turbulent market conditions. Today, Luxembourg Life Funds are open to investors who want access to the secondary life insurance market, with medium- to long-term strategies and minimal correlation to traditional asset classes or financial markets.

The Long Term Growth Fund is an open -end mutual fund. Our management team carefully selects life insurance policies that are beyond the contestability period. These policies are mainly sourced through secondary markets, complemented through tertiary transactions. The Fund seeks to build a large, diversified portfolio across numerous sectors, including but not limited to carrier concentration, expected maturities, gender, age, medical impairment, geography and face value size. In order to properly implement a buy and hold strategy, the fund seeks to isolate mortality risk and build a large sample size. Since the majority of policies are held through maturity, our managers employ extremely detailed actuarial and financial analysis to ensure that the policies we purchase account for longevity risk, as well as other variables of the statistical profile. That implies that policy selection process and pricing depends on actuarial analysis. Policies are marked to market on a monthly basis to portray an accurate view of the market value of assets. When conditions are optimum, Carlisle continuously trades the policies to monetize returns and provide extra liquidity and a variety of maturities.  The Long Term Growth Fund provides investors with an open-end investment option into life settlements.