Terms & Conditions

Terms & Conditions


  • 10, 15 and 20 Year Terms
  • Available in USD only
  • Minimum contribution of $200 per month ($2,400 per year)
  • No maximum return – 100% upside of the S&P 500 Index
  • Guaranteed minimum returns:

10 Year Term: 100% of amount invested over the term

15 Year Term: 140% of amount invested over the term

20 Year Term: 160% of amount invested over the term


Applications may be made by individuals – up to two applicants per policy. Not available to citizens or residents of the USA.

Currency Options:

USD only.

Product Terms:

10, 15 and 20 years

Issue Age:

10 Year Term: ages 18 – 60

15 Year Term: ages 18 – 55

20 Year Term: ages 18 – 50

Minimum Contribution:

$2,400 annually ($200 per month)

Initial Period:

10 Year Term: 13.20 months

15 Year Term: 24.48 months

20 Year Term: 27.72 months

Initial Units:

Premium payments made during the initial period are fully allocated to initial units, which are used to fund the annual administration charges over the duration of the term. Initial units cannot be withdrawn until the end of the selected term.

Accumulation Units:

Premium payments made after the initial period are fully allocated to accumulation units. Accumulation units may be withdrawn at any time, subject to the terms of withdrawal. Please note that any withdrawals negate the minimum return guarantee.

Minimum Increase:

$2,400 annually ($200 per month)

Premium Decrease:

Allowed after the completion of the initial period. Minimum contribution amount applies. Please note that any premium decreases negate the minimum return guarantee.

Premium Payments Grace Period:

90 days

Index Participation:

100& participation in the S&P 500 Index.

Guaranteed Values:

This product provides a guaranteed return, which is a percentage of the sum of all contributions at the end of the selected term. The guaranteed amounts are:

10 Year Term: 100%

15 Year Term: 140%

20 Year Term: 160%

The guaranteed amounts include loyalty bonuses and fees/charges – what you see is what you get, as a minimum, assuming all payments are made for the full term and no withdrawals have been made. The underlying principal protection is derived from structured notes provided by highly-rated banks and other international financial institutions and are therefore reliant on the continued solvency of these banks and financial institutions.

Loyalty Bonus:

Loyalty bonuses will be paid on the 15 and 20 year plans as follows:

7.5% of the total premium paid for years 1 through 10, paid at the end of year 10

7.5% of the total premium paid for years 11 through 15, paid at the end of year 15

5.0% of the total premium paid for years 16 through 20, paid at the end of year 20

Please note that the 10-year plans are not eligible for loyalty bonuses.


Annual administration charges as a percentage of the total premiums due from inception to the relevant policy anniversary will be deducted from the initial units throughout the duration of the term, as follows:

10 Year Term: 2.0% per year

15 Tear Term: 1.7% per year

20 Year Term: 1.1% per year

A policy fee of USD 10 per month will be deducted at the beginning of each month.

A structure fee of 0.125% per month of account balance will be deducted at the beginning of each month for as long as the assets remain invested.

Withdrawal & Surrender:

Partial withdrawals are allowed after the completion of the initial period, subject to maintaining a minimum USD 2,400 surrender value. Minimum withdrawal is $600. Withdrawals are free of charge, but they do negate the guarantee. Full surrender is allowed at any time after the initial period has been completed but will be subject to surrender charges. The surrender charge will be equal to the value of the remaining initial units.


Plan participants can nominate beneficiaries and contingent beneficiaries that will receive the proceeds of the plan on the death of the relevant insured. Plan participants may change the beneficiaries at any time by requesting it in writing (soft copy is fine, but it needs to be in writing).

Payment Methods:

Payments can be made with any credit or debit card, including single-use and virtual cards, including VISA, Mastercard, American Express, Diners Club, and JCB. Payment will always be taken in USD. There are no card fees or charges. Plan participants may change the card used at any time, at no cost, via the online login.

Guaranteed Death Benefit:

In the event of the death of the plan participant, the standard amount payable to the nominated beneficiaries will be 101% of the account value. The benefit shall not be paid if the insured dies within the first two years of the issue date from a pre-existing medical condition or suicide.


Once a plan reaches the end of the selected term, the plan participant will be notified accordingly and will be required to provide instructions regarding where to send the funds.

Plan Documents:

All plan participants will automatically receive electronic delivery of policy documents by email, at no cost. Printed versions sent by courier are available on request for a fee of $50.

Termination & Reinstatement:

If the plan participant fails to make premium payments during the initial period or the policy runs out of invested units after the initial period, the policy will lapse. The plan participant can request to reinstate the policy within 2 years after the lapse date, subject to the payment of past due premiums and charges.

Policy Loan:

Up to 40% of the cash surrender value. The amount and duration of the loan are subject to approval by the company.

Assignment of the Plan:

The ownership of the plan may be transferred to another person subject to company procedures for doing so.

Online Access:

Plan participants will have access to their accounts 24/7 online, which includes full details of investment performance, ability to change payment methods, facility to download paperless notices and statements, as well as access multi-language support and online customer service, all with the highest levels of encryption security.

Regulatory & Government Oversight:

The products available from PensionsForNomads.com are issued by Investors Trust. ITA International Holdings is the parent company of Investors Trust Assurance APC, licensed and regulated in the Cayman Islands and is rated A- (Excellent) by AM Best; ITA Asia Ltd, a Labuan-licensed company regulated in Malaysia, and ITA International Insurer, a Puerto Rico based regulated and licensed company. Investors Trust is a member of the Association of International Life Offices (AILO). Neither Investors Trust nor any of its subsidiaries or affiliates offer investment advice or recommendations regarding investments. The information contained above or elsewhere on this website does not constitute an offer or solicitation to anyone in any jurisdiction. Please consult your own legal, tax, or investment professional before making financial decisions. For more details on Investors Trust, please visit www.investors-trust.com.

Application Process:

Please complete the application process online via PensionsForNomads.com. Accounts are usually opened within 24 hours of the application being received.