LifeNotes™ Trust

Your life insurance.
Transformed.

LifeNotes is the whole life insurance securitization trust — $550M AUM from 600+ policies across 20+ carriers.

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Your life insurance earns
too little, for too long.
We fix both.

100+Credit unions in the trust
$550M+Assets under management
600+Policies across 20+ carriers
95Average COMDEX score

How It Works

How does the LifeNotes Trust work?

01

Contribute

Transfer your CUOLI policies or CASD promissory notes into the LifeNotes Trust.

02

Receive a certificate

Get a fixed-duration investor certificate with a defined term — 10, 15, or 20 years. Yield varies by product and term.

03

Earn and exit

Interest accrues monthly. Pro-rata death benefit distributions across the pool. Split dollar loans closed on your schedule.

For Existing Split-Dollar Plans

What problems does LifeNotes solve for credit unions?

CUOLI

3–5% → SOFR+270

Contribute your credit union-owned life insurance to the LifeNotes Trust and receive a fixed-duration investor certificate yielding SOFR+270 bps — plus pro-rata death benefit distributions.

✓Yield moves from 3–5% to ~6-7% at current rates
✓Duration fixed at 10, 15, or 20 years
✓Risk pooled across 600+ policies, 20+ carriers
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CASD / Split Dollar

30 years→ Exit in 10

Contribute your collateral assignment split dollar promissory notes and receive a fixed-duration certificate. The split dollar loan closes on a defined schedule — not when the executive dies.

✓Loan exits your books in 10, 15, or 20 years
✓Credit union earns 0–2% yield depending on term
✓Eliminates imputed income tax burden for the executive
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Retain & Recruit

Keep your best people. Attract the next ones.

We design new supplemental executive retirement plans — CASD, 457(f), and other nonqualified arrangements — that give your executives a reason to stay and give recruits a reason to come. Every plan is built with a defined exit through the LifeNotes Trust from day one.

  • ✓Executive benefits that compete with peer credit unions, banks, and corporates
  • ✓Vesting that drives long-term retention
  • ✓Built-in exit strategy — no open-ended balance sheet exposure
  • ✓Board-ready governance documentation included
Learn About New Plans
From design to defined exit
01Compensation Strategy

We benchmark against banks and corporates, then design a plan that makes your credit union competitive.

02Plan & Policy Placement

CASD, 457(f), or other SERP structures placed with top-rated carriers and vesting schedules that drive retention.

03Trust Integration

The plan enters the LifeNotes Trust with a 10, 15, or 20-year defined exit — not tied to executive mortality.

Institutional-grade infrastructure

Independent AuditorDoeren MayhewLargest CPA firm for credit unions. Annual audits since inception.
Structural ModelGinnie Mae FoundationSame pooling and securitization mechanics. Applied to life insurance.
View Due Diligence Materials →

Our Story

Who built LifeNotes?

infineo brings decades of experience in credit union executive benefits — designing plans, placing policies, and managing the long-term relationships that come with them. That experience revealed a structural problem: split dollar worked for executives, but left credit unions holding low-yield loans for 30 years with no exit. The LifeNotes Trust launched in 2022 to solve it. Today it holds assets from 100+ credit unions across 28 states.

Request Your AnalysisLearn About infineo
40
Years in executive benefits
2022
Year LifeNotes Trust launched
95
Average COMDEX score across the trust
20+
Carriers in the pool

Ready to see your numbers?

Free analysis on your CUOLI and split dollar programs. No commitment.

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