F9 Toompea Collateral Support PC
ISIN: AE000A41FCB5 Euroclear ISIN: CH1108682233
What is PFLI?
Premium-financed life insurance (PFLI) allows affluent individuals to secure large insurance coverage by securing funds to cover premiums, preserving asset liquidity.
Target Audience: Designed for high-net-worth clients who
prefer not to liquidate appreciating assets to fund insurance
needs.
Role of the Fund: Provides collateral support to mitigate
liquidity risks and sustain long-term insurance funding
strategies.
Premium financing is already a major force in the life insurance
market—and with growing economic volatility, the need for
liquidity inside these leveraged structures has never been greater.
30%+
Market Penetration
Over 30% of all Indexed Universal Life
(IUL) premiums involve third-party
financing, highlighting widespread
PFLI adoption
$20B+
Continued Growth
U.S. market run-rate of roughly $3–$5B
per year of new premium-finance loans,
market-wide
Current Trends
Increasing demand for liquidity
protection amid economic volatility
enhances relevance of the Fund
The Problem
Rate Pressures
Volatile interest rates have exceeded returns on many life insurance policies, triggering margin calls.
Liquidity Squeeze
Policy holders lack sufficient liquidity or willingness to post additional collateral on short notice.
Lender Reactions
Lenders respond by demanding immediate repayment or de-risking through asset seizure.
Our Solution
Stabilizing Collateral
Volatile interest rates have exceeded returns on many life insurance policies, triggering margin calls.
Asset Preservation
Avoids forced liquidation of
high-performing investments during financial strain.
Long-Term Sustainability
Enhances policy durability and client
confidence in premium finance
programs.
The Fund Deployment Philosophy
The Fund Manager, based on the recommendations made by the Investment Committee and with the support of a specialist Insurance Adviser, will construct a portfolio of insurance products that fulfills the Fund’sinvestment strategy:
- Tailored Collateral Financing: Provide flexible liquidity solutions that preserve client assets and policy integrity.
- Strategic Optimization: New origination and reconfiguring existing policies for better returns, longevity, and future capital leverage.
- List Item #3
Why It Matters
Traditional premium finance arrangements often break down under stress. Policy holders may be unwilling or unable to post collateral on short notice, and lenders—facing regulatory pressure and market risk—may call loans
or seize pledged assets. This can destroy both the value of the policy and the client’s broader wealth plan.
- For lenders, it de-risks the loan and enhances loan performance metrics.
- For clients, it preserves optionality, liquidity, and access to leverage.
- For investors in the fund, it creates opportunities for low-volatility returns backed by well-structured, asset-based exposures.
Expertise, Network, and Positioning
Multidisciplinary Team
Led by experts in life insurance, underwriting, structured credit, and premium finance with proven track records.
Legal Expertise
Advised by top-tier insurance litigation firms, enhancing asset security and dispute resolution.
Strategic Positioning
First-mover in a distressed segment with proprietary sourcing and industry access.
Neither F9 Capital Management Ltd (hereinafter referred to as the “Company” or “F9”) nor any of their group companies or affiliates makes or gives any warranty or representation that any information
contained in this presentation is accurate, complete, or fit for any particular purpose. The material is intended for Professional Clients only (as defined in FSRA COBS Chapter 2) and no other Person
should act upon it. I acknowledge that neither F9 Capital Management Ltd nor its affiliates will have any liability for any losses arising directly or indirectly from any information accessed from this presentation.
F9 Capital Management Ltd, a private company limited by shares, duly registered with the Registration Authority of Abu Dhabi Global Market and licensed under commercial license number 8730,
having its registered office at Office 202, Level 14, Al Sarab Tower, ADGM Square, Al Maryah Island, Abu Dhabi, United Arab Emirates.
F9 Capital Management Limited (the “Firm” ) is regulated by the FSRA, financial services permit number 220091. The Firm is authorised by the FSRA to provide the financial service “Managing a
Collective Investment Fund“. Investing in the Fund involves risks, including but not limited to the possible loss of principal. There is no assurance that the Fund’s investment objectives will be met or
that any investor will receive a return of invested capital. The value of the Fund’s shares can fluctuate with changes in market conditions, interest rates, issuer credit risk and quality. Past performance is
not necessarily a reliable indicator of future results. This material is addressed to Professional Clients as defined in the FSRA Conduct of Business Rulebook.
Prospective investors should review the Fund’s prospectus carefully and consult with their financial, tax and legal advisors before making an investment decision. Past performance is not necessarily a
reliable indicator of future results.
F9 Capital Management Ltd, a private company limited by shares, duly registered with the Registration Authority of Abu Dhabi Global Market and licensed under commercial licence number 8 730, having its registered office at Office 202, level 14, Al Sarab Tower, Adgm Square, Al Maryah Island, Abu Dhabi, United Arab Emirates (hereinafter referred to as the “Company” or “F9”). F9 is licensed as a collective investment fund manager by the Financial Services Regulatory Authority (FSRA) as a Category 3C firm and is permitted to control Client Assets. F9 is not licensed to serve Retail Clients and this document is addressed strictly to Professional Clients or Market Counterparties, as defined in FSRA COBS Rulebook Chapter 2.
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