Alternative Assets. Enduring Value.
A private investment firm specializing in life settlement assets, delivering uncorrelated returns for institutional and accredited investors.
Who We Are
Horizon Alternative Investments LP acquires and manages life insurance policies purchased on the secondary and tertiary markets at a discount to their face value. Our approach combines actuarial analysis, disciplined underwriting, and diversified portfolio construction to generate consistent, risk-adjusted returns uncorrelated to traditional markets.
Our team operates with a single conviction: returns in life settlements are won or lost at the point of acquisition. Every policy we purchase is backed by rigorous underwriting, conservative pricing, and disciplined portfolio construction.
What We Do
We source, underwrite, acquire, and manage portfolios of life settlement policies. Every investment decision is grounded in fundamental analysis, actuarial science, and a commitment to transparency.
We identify and acquire life insurance policies on the secondary and tertiary markets through established brokers, providers, and proprietary deal flow.
Every policy undergoes rigorous medical underwriting and actuarial review to ensure accurate life expectancy assessments and sound pricing.
We construct diversified portfolios designed to minimize concentration risk and optimize risk-adjusted returns over the life of each investment.
Our proprietary AI platform automates medical record analysis, generates life expectancy estimates, and enables faster, more accurate underwriting at scale.
Our Mission
Life settlements reward patience, discipline, and deep underwriting, not market timing. That is where we operate and that is what we deliver.
We acquire the right policies at the right price through conservative pricing, strict return thresholds, and disciplined portfolio construction. Every decision is backed by data, discipline, and a built-in margin of safety.
The Asset Class
The purchase of an existing life insurance policy from its original owner at a discount to the policy's death benefit. It converts an otherwise lapsing asset into liquidity for the policyholder and a contractual return for the investor.
The vast majority of life insurance policies are lapsed or surrendered for little or nothing.
A large and expanding market driven by an aging population, rising policy costs, and increasing investor demand.
Fully regulated across 43 states with established licensing, disclosure, and consumer protection frameworks.
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