For Credit Unions
infineo helps credit unions convert CUOLI and CASD portfolios into higher-yield, fixed-term assets.
Built on the LifeNotes™ Trust — a $550M whole life insurance securitization trust used by 100+ credit unions.
The Challenge
Billions locked in low-yield, long-duration positions
Credit unions hold life insurance for sound reasons — executive retention, key-person coverage, balance sheet strategy. But the structures haven't evolved with the rate environment, turning a valid asset into a balance sheet drag.
CUOLI portfolios earn 3–5% while every other asset reprices upward. CASD plans lock capital for 30–40 years with minimal return to the credit union. Both concentrate risk in a single policy from a single carrier, with no secondary market and no exit. LifeNotes transforms these positions into higher-yield, shorter-duration, diversified instruments.
What We Do
Three ways we help credit unions
Securitize existing portfolios
Convert existing CUOLI and CASD positions into LifeNotes certificates — fixed duration, diversified across 600+ policies, yielding SOFR + 270bps.
Design new executive benefits
Build modern split dollar and SERP plans that work for both the executive and the credit union — with built-in securitization from day one.
Optimize yield on existing plans
Shorten duration and increase yield on existing CASD plans without disrupting executive benefits. Free up 701.19 capacity for additional plans.
100+ credit unions across 28 states have already transformed their life insurance portfolios through infineo.
See what LifeNotes can do for your credit union.
Visit the LifeNotes site for detailed offerings, board resources, and a process walkthrough — or talk to someone on our team.