Overview
Trusure Capital – Premium Income Fund
Private Credit in Executive Key-Man Life Insurance Premium Financing
Target: 11% Annualized Income | 3-Year Term | Asset-Backed | Non-Correlated
The Opportunity:
Premium financing involves providing short-term loans to cover the ongoing premiums of large life insurance policies. These loans help high-net-worth individuals, family offices, trusts, and businesses maintain executive key-man coverage—policies that protect against the loss of a key leader—without selling other assets. The loans are secured by the policies themselves, typically lasting 3–7 years and backed by indexed universal life (IUL) policies from A-rated carriers.
The overall life insurance premium financing market is estimated at around $50 billion and continues to expand. Historical data shows low default rates in this niche, generally under 1% when properly underwritten, due to the over-collateralization from policy cash values and death benefits. Through the Premium Income Fund, accredited investors can participate in originating and holding these loans, with diversification across borrowers, carriers, and regions to support steady income generation.
Why Now?
Interest rates have risen, reducing the availability of traditional bank financing for these policies and increasing costs for borrowers. At the same time, demand for key-man coverage remains strong as businesses and families focus on continuity and tax-efficient protection amid economic uncertainty. Global life insurance premiums are projected to reach $3.65 trillion in 2025, reflecting sustained growth in the underlying market. The Trusure Capital team brings experience in insurance underwriting, private credit origination, and portfolio management, including prior involvement in this space.
Investment Highlights:
• Target Net Return: 11% annualized (paid annually after a 12-month hold)
• Term: 3 years, with extension options
• Security: First-lien on policy cash surrender value + death benefit assignment; over-collateralized at all times
• Diversification: Across multiple A/A+ rated carriers, geographies, and borrower profiles for low correlation to public markets
• Minimum: $50,000 (subject to management discretion)
• Access: Accredited investors only; open until fully subscribed or December 31, 2026
Our Philosophy:
Access to institutional-grade private credit strategies should extend beyond large banks and institutions. The Premium Income Fund provides accredited investors with a transparent, client-focused vehicle for income generation, emphasizing capital preservation in a low-correlation asset class.
The Bottom Line:
The Premium Income Fund offers exposure to a niche with a track record of low losses, strong collateral, and consistent demand. If this aligns with your portfolio goals, we can share more details on how it fits.
Trusure Capital – Secured, Predictable Returns Through Premium Life Insurance Financing
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Step 1: About Us
Wiring Instructions Trusure Capital
Step 2: Offering Documents
Trusure Capital Subscription Agreement - Series A...
Step 3: Investment
Team
Professional Services
FuseFi Transfer LLC
Joseph Latona 305 239 8960 ta@fusefi.com https://www.fusefitransfer.com/
Industry Fintech Inc
Sandy Fliderman 9547906333 ir@industryft.com https://industryft.com
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