Our Story
Life insurance is institutional capital. We built the infrastructure to prove it.
infineo exists because a $4 trillion asset class was locked in place — no liquidity, no yield, no market. We built the securitization layer, the trust structure, and now the digital rails to change that.
The Problem
$4 trillion in life insurance assets. Almost none of it working.
Institutions hold life insurance for good reasons — executive benefits, key-person coverage, balance sheet yield. But the instruments were designed decades ago for a different rate environment. The result: billions in low-yield, illiquid, single-carrier positions with no secondary market and no exit.
Credit unions felt this most acutely. Split dollar plans locked capital for 30–40 years at zero return. CUOLI portfolios earned 3–5% while everything else on the balance sheet repriced upward. The asset class wasn't broken — it was just missing infrastructure.
What We Built
A securitization layer for life insurance
infineo built the LifeNotes Trust — the first vehicle to pool individual life insurance policies into a diversified, rated, fixed-duration instrument. A single policy with one carrier becomes a fractional interest in 600+ policies across 22 carriers.
For credit unions, this transforms the balance sheet: CUOLI yields move from 3–5% to SOFR + 270 basis points. CASD loan durations drop from "until death" to a fixed 10–20 year term. Liquidity replaces lockup. Diversification replaces concentration.
Then we took it further. The same pooled, custodied, audited trust assets that back LifeNotes certificates can also back a tokenized digital asset — LifeCoin. Life insurance reserves become on-chain collateral, bridging institutional insurance into digital capital markets.
We didn't set out to build a technology company. We set out to solve a problem that had been hiding in plain sight for forty years.
What infineo Is Today
Three layers of life insurance infrastructure
Executive benefits
We design and administer split dollar and SERP plans for credit unions and nonprofits — the same practice that uncovered the securitization opportunity, now backed by infineo's trust infrastructure.
Securitization
The LifeNotes Trust pools and securitizes life insurance assets into fixed-duration, diversified certificates — transforming illiquid balance sheet positions into institutional-grade instruments.
Digital assets
LifeCoin extends the same trust infrastructure to digital rails — a collateral-backed digital asset built on life insurance policy reserves (not a payment stablecoin), designed for institutional use.
Timeline
How we got here
The question
A team with decades of credit union experience confronts a systemic problem: life insurance sits on institutional balance sheets for 30–40 years, earning 3–5%, with no liquidity and no exit. What if you could securitize it?
LifeNotes™ Trust launches
The LifeNotes Statutory Trust goes live — the first vehicle to pool and securitize life insurance policies into fixed-duration, diversified certificates. Credit unions begin converting existing plans within months.
infineo and LifeNotes merge
infineo becomes the parent — encompassing securitization, plan design, and digital asset development. Stearns Financial Group continues as the fund administrator.
LifeCoin development begins
infineo begins building LifeCoin — blue chip digital collateral designed to unlock dormant CSV for policyholders. The same trust infrastructure, extended to digital assets.
100+ institutions. $550M in trust assets. 28 states.
LifeNotes Funds hold assets backed by 600+ policies across 22 insurance carriers. Audited annually by Doeren Mayhew.
Heritage
Built on five decades of credit union relationships
infineo's roots trace back to Stearns Financial Group, founded in 1971 and specializing in credit union executive benefits since 1991. Over 400 plans designed. More than $1 billion placed. Licensed in all 50 states.
That track record — the relationships, the regulatory knowledge, the plan design expertise — is the foundation infineo was built on. Stearns Financial Group continues today as the fund administrator and third-party administrator for the LifeNotes Trust.
The infrastructure is built. Your portfolio is next.
Talk to the team about what infineo can do for your institution.