For CEOs & CFOs
Better numbers.
Better strategy.
Your life insurance earns too little for too long. LifeNotes™ converts underperforming CUOLI and split dollar into higher-yield instruments — with a competitive retention tool built in.
Your CUOLI is earning 3-5%. It should be earning 6-7%.
Before & After
What changes when you move CUOLI into the LifeNotes Trust?
Financial Impact
How does LifeNotes affect your balance sheet?
Yield Improvement
Traditional CUOLI earns 3-5% in cash value growth. LifeNotes certificates yield SOFR+270 bps — currently 6-7% — plus pro-rata death benefit distributions.
Duration Reduction
Split dollar loans traditionally sit on your books for 30+ years, tied to executive mortality. LifeNotes gives you a fixed exit at 10, 15, or 20 years.
Balance Sheet Optimization
Convert open-ended insurance exposure into a fixed-duration instrument with a known maturity date. Predictable cash flows. Cleaner balance sheet.
Risk Pooling
Your policies join a pool of 600+ across 20+ carriers with an average COMDEX score of 95. Diversification you cannot achieve on your own.
CASD Yield Structure
Traditional CASD returns 0-2% based on AFR. LifeNotes CASD certificates return 0%, 1%, or 2% depending on term — 10, 15, or 20 years respectively.
Predictable Cash Flows
Interest accrues monthly. Pro-rata death benefit distributions flow as policies in the pool pay out. Yield is realized at certificate maturity — not decades later on a single-policy event.
Strategic Value
Beyond the balance sheet: retention, succession, and recruitment.
Beyond yield, LifeNotes addresses a generational gap in credit union leadership: 50% of CU CEOs are over 55 and only 14% of credit unions have a formal succession plan in place. The cost of an unplanned CEO departure runs 50-200% of annual salary. Meanwhile, executive retirement income gaps average 42%.
LifeNotes does not just optimize your existing insurance. It gives you a platform to build competitive SERP, CASD, and 457(f) plans that retain your best people and attract the next ones — with a defined exit strategy from day one.
Market Context
SERP adoption scales with asset size. Where does your credit union stand?
SERP adoption is standard at larger credit unions and increasingly common at mid-sized ones — LifeNotes is the trust 100+ credit unions in 28 states already use to fund those programs. Smaller institutions are catching up, but many still lack the infrastructure to design, implement, and manage these plans effectively.
Competitive Compensation
Tools to retain your best people and recruit the next ones.
SERP Design
Supplemental Executive Retirement Plans benchmarked against banks and corporates. Designed to close the 42% retirement income gap for your key executives.
Long-Term Vesting
Retention-driven vesting schedules that give executives a financial reason to stay. Customizable cliff and graded structures tied to tenure milestones.
Succession Planning
Only 14% of credit unions have formal succession plans. LifeNotes benefit programs create the financial framework that makes succession planning possible.
Continue exploring
See your numbers.
Free analysis on your CUOLI and split dollar programs. We will show you the yield improvement, duration reduction, and balance sheet impact — specific to your credit union.