Offerings

Three ways to improve
your life insurance.

Whether you are placing new executive benefit plans, optimizing an existing CUOLI portfolio, or shortening split dollar duration — LifeNotes™ has a defined path.

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What We Do

One trust. Three solutions.

New Plans

Executive Benefits

Design and implement CASD, SERP, and 457(f) plans that retain top talent, attract new leaders, and close the 42% retirement income gap for credit union executives. Every plan is built with a LifeNotes Trust exit from day one.

42%Executive retirement gap
10–20yrDefined exit via trust
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Existing CUOLI

Portfolio Strategy

Transform existing CUOLI portfolios from 3–5% yield to SOFR+270 bps — roughly 6-7% at current rates. Fixed 10/15/20-year duration. Diversified across 600+ policies and 20+ carriers. Frees 701.19 capacity.

SOFR+270Target yield (bps)
20+Carriers in pool
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Existing Split Dollar

Yield Enhancement

Shorten CASD duration from 30–40 years to a fixed 10–20-year term. Credit union earns 0–2% by term. Eliminates imputed income for the executive. Opens 701.19 capacity via 703.14 reclassification.

10–20yrFixed duration
0%Imputed income
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100+Credit unions
$550MAssets under management
600+Policies in the trust
20+Carriers

Not sure where to start?

Send us your current portfolio details and we will map the right path — no commitment required.

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