Life Opportunity Fund I, LP
LOF1 combines proven realized performance, low equity sensitivity, and a favorable deployment window.
Return Driver
Mortality timing and underwriting. Not equity beta, credit spreads, or macro direction.
Proof
135.65% cumulative gross return and 72.76% cumulative net return since July 2019.
Portfolio
35 lives / 38 policies
Median age 88
Median aged LE 22 months
$64M NDB within 36 months
100% investment-grade
Mortality does not move with market crisis
The Proof
LOF1’s diversification is structural, not incidental
Our Strategy
1. Acquire Policy at a Discount
The Fund acquires individual life insurance policies from original owners and seasoned portfolios from liquidity-constrained sellers at prices below
actuarial value.
2. Fund Premium Carry
The Fund pays ongoing premiums while the policies remain in force.
3. Collect Death Benefit
4. Realize Gain and Recycle Capital
4. Realize Gain and Recycle Capital
The carrier pays the contractual death benefit when the insured passes.
4. Realize Gain and Recycle Capital
4. Realize Gain and Recycle Capital
4. Realize Gain and Recycle Capital
The gain reflects acquisition price, premium carry, and realized timing versus underwriting assumptions.
Performance
The Life Settlement Funds Index is a Lane Gate Advisors, LP custom equal-weighted index of 12 life settlement funds (excluding LOF1) and is not independently verified or audited.