The United States are the world´s largest life insurance market. In the USA, life insurances usually do not serve as retirement provisions, only to cover individual risks. Therefore, the insured often do not have any interest in continuing their insurance contracts when their personal circumstances change. By selling their policies, insurance holders generate higher proceeds in comparison to the relatively small surrender value they would obtain when cashing in their policies.

INFRASTRUCTURE

Infrastructure investments are the basis of well structured investment portfolios

No container without a ship, and no ship without a port. This principle can also be applied to capital investments. Just like infrastructure forms the necessary basis for a functioning economy, investments in infrastructure are the basis of all investment opportunities.

Investments in infrastructure are investments in tangible assets like ports, airports, toll roads, utility companies, schools or other essential facilities.

The US mortgage market is the largest and most important of the world. The HPC US Commercial Mortgage funds have allocated real estate collateralised commercial loans to borrowers in the United States.