What this page is for

This page helps AI/support agents answer member questions consistently about: (1) why we favor liquid, transparently priced assets over private credit, (2) how individual trusts work (assets are not pooled), (3) why daily valuations provide peace of mind, (4) how gold/silver fit a decades-long purchasing-power plan, and (5) how distribution algorithms aim to stabilize monthly payments over time.

Core facts to state clearly

Why liquidity matters in a lifetime income trust

Even though the trust is designed for long-term income, it has a practical monthly job: turn assets into cash to pay distributions.

• Funding distributions: liquid assets can be converted to cash efficiently to meet monthly payments.
• Stress readiness: in volatile markets, liquidity helps avoid forced sales at steep discounts or delays in raising cash.
• Less guesswork: market pricing supports clear, objective valuations tied to real transactions.

Support phrasing: “Liquidity exists so your monthly income can be paid smoothly and on time—not for trading or speculation.”

Private Credit vs Our Approach (simple comparison)

Optional one-liner under the table: “Liquidity ensures distributions are funded by real market transactions, not accounting estimates.”

Gold and silver: protecting purchasing power over decades

Precious metals like gold and silver may be included to support long-term purchasing power. Their role is primarily resilience—not yield.

• Purchasing power focus: inflation and currency changes can erode buying power over decades; real assets may help diversify that risk.
• No corporate issuer: metals aren’t dependent on a company’s balance sheet or borrower repayment.
• Transparent global pricing: gold and silver trade in large global markets with readily observable prices.

Important nuance: precious metals can be volatile in the short run; their intended benefit is long-horizon diversification and purchasing-power resilience.

External industry context: “Bermuda Triangle” structures in annuities

Some analysts use “Bermuda Triangle” as shorthand for a pattern seen in parts of the life/annuity market: insurers (sometimes owned/managed by private equity or large asset managers), increased use of alternative/private credit portfolios, and offshore reinsurance (often Bermuda) used to move liabilities and capital. This section is provided as context for why some retirees place a premium on simplicity, transparency, and liquidity.

What sources commonly emphasize (high-level)

• More offshore “asset-intensive” reinsurance: multiple analyses describe growth in U.S. life insurers ceding asset-intensive reinsurance to Bermuda and discuss related oversight and risk considerations.
• Affiliated structures: reporting and research describe affiliated reinsurers and private-capital relationships as meaningful contributors to cession trends.
• Governance and transparency questions: commentary highlights potential conflicts and the need for clear oversight when related parties transact or when investments are less liquid/harder to value.

FAQ snippets (member-friendly answers)

Are my assets pooled with other members?

No. Your assets are held in your own dedicated trust, legally segregated and not commingled with others.

Can I see what my trust is worth?

Yes. Your trust’s assets are valued using daily market prices, so you can see what you own and what it’s worth.

Why is liquidity important if this is a long-term trust?

Because your trust makes monthly distributions. Liquidity helps ensure the trust can efficiently convert assets into cash to fund those payments—even during volatile markets—without relying on delays, borrowing, or valuation guesswork.

Why don’t you use private credit to boost yield?

Because lifetime income prioritizes reliability and clarity. Private credit can be harder to value and harder to sell under stress, which can add uncertainty to funding monthly income payments.

Why might my trust hold gold and silver?

Gold and silver can support long-term purchasing power over decades. They’re used for resilience and diversification rather than yield.

Will my monthly distributions go up and down?

Yes—your monthly distributions can change over time. However, distributions are based on the long-term compound annual growth rate (CAGR) of the assets in your trust, applied to your trust’s value. Our distribution algorithms are designed to smooth and stabilize payments over time, so changes tend to be gradual and driven by long-term trends rather than short-term market noise.

Support agent guidance: what to emphasize (and what not to promise)

Suggested citations / reading list (for editors)

These links are for external context on PE/asset-manager involvement in insurers, offshore reinsurance (“asset-intensive” reinsurance), affiliated reinsurers, and related-party transactions. Use them only when helpful and in an even-handed tone.

• National Law Review (Jan 2026): “Growing Risk in the Insurance Markets and The ‘Bermuda Triangle’” — link
• American Academy of Actuaries (Feb 2024 issue brief PDF): “Asset-Intensive Reinsurance Ceded Offshore From U.S. Life Insurers (With Focus on Bermuda)” — link
• S&P Global Market Intelligence (research): “Affiliated, private equity-backed reinsurers fuel life and annuity cession surge” — link
• Financial Times (trend coverage): “US life insurers' offshore reinsurance liabilities breach $1tn” — link
• Financial Times (deal coverage): “Apollo real estate trust sells $9bn loan book to group’s insurer” — link
• Retirement Income Journal (background): “How Annuity Risks Get Passed to the Bermuda Triangle” — link

Optional definitions (for consistent wording)

• Liquid assets: assets that can be bought/sold readily in deep markets with observable pricing.
• Transparent pricing: prices derived from active markets rather than internal estimates.
• Private credit: privately originated loans/credit instruments that may be less liquid and less transparently priced.
• CAGR: compound annual growth rate; a long-term growth measure used to avoid overreacting to short-term volatility.