Mortality-driven returns. Market-independent outcomes.Mortality-driven returns.
Market-independent outcomes.
Sea Point Capital delivers uncorrelated returns from life-insurance assets using next-gen portfolio strategy, proprietary AI underwriting, and institutional governance.Uncorrelated returns from life-insurance assets.
Realized Annual Return
Our annualized net return (after fees and expenses) from inception (Nov 23) through February 2026 has outperformed our target return of ~12%.
Sortino Ratio
Our exceptionally high Sortino Ratio shows the fund has generated strong net returns while keeping downside volatility very low.
Market Correlation
To date, we've had low correlation to traditional markets, demonstrating portfolio independence from other financial market movements.
Performance data as of February 2026. Past performance is not indicative of future results. Target returns are not guaranteed.
Our Investment Approach
Life-insurance assets are inherently uncorrelated with traditional markets. Our portfolio combines three complementary asset types to produce stable cashflow, controlled downside, and step-wise capital appreciation.
Life insurance assets — life settlements, loans backed by life settlements, and payout annuities — deliver returns driven by mortality and cashflow dynamics rather than market beta. Because their value drivers are different from equities and credit, they provide natural diversification.
At Sea Point we combine these asset types with disciplined underwriting, AI-enhanced mortality analysis and active risk management to build an institutional-grade portfolio engineered for uncorrelated returns and periodic liquidity.
Life Settlements
We purchase life insurance policies from insureds, pay periodic premiums and collect the death benefit upon maturity. Most months show modest net expense, with intermittent large gains when mortality events occur. This characteristic produces step-wise returns and capital appreciation when paired with complementary assets.
Collateralized Loans
We extend collateralized term loans secured by life settlement policies as collateral. Loans accrue interest monthly and repay principal plus interest within a defined payoff window, producing steady income and predictable liquidity events.
Payout Annuities
We acquire immediate payout annuities from insurance carriers, receiving level monthly payments. Annuities provide reliable cashflow that funds life settlement premiums and provide offsetting longevity exposure, stabilizing portfolio dynamics.
Why this combination works
- •Offsetting mortality exposures. Life Settlements deliver value when insureds die sooner, while annuities benefit when people live longer — the opposing exposures naturally hedge mortality/longevity risk.
- •Self-funding mechanics. Annuity income reduces premium drag on the life settlement portfolio, improving capital efficiency and reducing the need for external capital.
- •Natural liquidity. Loan payoffs and life settlement maturities provide predictable liquidity windows for reinvestment or redemptions.
- •Step-wise return profile. The mix smooths net volatility: frequent small drawdowns (premiums) punctuated by episodic gains, producing attractive risk-adjusted outcomes.
Why Sea Point Capital
Next-generation portfolio strategy backed by proven expertise and robust infrastructure.
Next-Gen Portfolio Strategy
Three complementary life insurance assets combine for stable, uncorrelated returns; aided by proprietary AI-driven mortality risk analysis.
Deep Sourcing Network
Extensive industry relationships with key policy sources and decades of combined market experience enable consistent deal flow.
Institutional Service Providers
Best-in-class fund administrator, independent auditor, securities intermediary, and valuation agent ensure robust governance.
Leadership Team
Over 40 years of combined experience in life settlements, fund management and insurance-linked securities; with Michael and Avery having a 20+ year working relationship.
Michael T. Crane
Chief Investment Officer
30+ years capital markets experience; pioneer in the life settlements space.
Avery T. Michaelson
Portfolio Manager
Deep longevity & quantitative expertise; mastery of all fund operations.
Trusted Institutional Partners
Qualified Investors
Access to our investment offerings is limited to accredited investors. Request access to our fund information to learn more about Sea Point Life Strategies Fund.
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