Rive Bank-Owned
Life Insurance Strategies

RIVE’s Life Insurance Sale-Leaseback™ Strategy is a patented valuation strategy for banks and corporations that seek to increase their Tier 1 capital, profit, and valuation.

Typically, investors don’t reward banks and corporations for the fair market value of their life insurance assets (BOLI / COLI).  Yet about 75% of banks own BOLI that averages about 15% of capital and 1% of total assets (source: www.BoliColi.com).

RIVE unlocks this hidden value by separating BOLI / COLI into premiums and benefits, selling some benefits, retaining some benefits as collateral, and paying retained premiums over time.