Investors Trust Assurance SPC (ITA) is one of the leading international companies in the field of investment insurance. The company specializes in providing Unit Linked solutions for capital accumulation and management.
Contents:
- Description of Investors Trust Assurance SPC
- Reliability of Investors Trust
- Why ITA is Popular Among Expats
- Products Unit Linked
- How to Choose the Program
- How to Open a Program with Investors Trust
Since its foundation, ITA SPC has established a strong reputation thanks to its innovative products, high degree of reliability, and global presence.
This overview examines the company and its products in detail and evaluates whether Investors Trust can be a suitable solution for individuals living across multiple countries (expats, relocators, and digital nomads).
Our company, UNIT-LINKED.COM, acts as an accredited partner of Investors Trust. It is important to note that Investors Trust adheres to a policy of operating through a network of official representatives. Therefore, when contacting the company directly, you will be redirected to a regional partner — in this case, our organization.
About Investors Trust
ITA (Investors Trust Assurance SPC) is a global insurance company focused on creating and implementing unit-linked solutions. The company offers a wide range of investment and insurance products characterized by high levels of asset security and complete transparency in operations. The minimum entry threshold is just $100 in monthly contributions, although $300 per month is considered optimal for standard accumulation programs. It is important to note that the economic efficiency of an investment portfolio directly depends on the size of regular contributions—the larger they are, the more favorable the conditions.
Over the years, Investors Trust has expanded its presence to more than 100 countries, including regions in Europe, Asia, Africa, and Latin America.
Investors Trust Assurance SPC, also known as ITA Group, is an international financial institution specializing in investment insurance. The company focuses on the development and provision of unit-linked products for medium- and long-term investments.
The products offered by Investors Trust provide ample opportunities to achieve your financial goals. With their help, you can:
- Build retirement savings in a stable currency to ensure a steady passive income in the future.
- Plan funding for your children’s higher education at leading institutions.
- Realize plans for major acquisitions, whether real estate or a car.
- Create a personalized investment portfolio using time-tested financial instruments.
- Ensure the efficient transfer of assets to heirs through a simplified legal procedure.
ITA operates through a global network of offices in key financial centers, including the United States, the United Arab Emirates, Malaysia, Hong Kong, the Cayman Islands, and Uruguay. As of today, investors from more than 40 countries use the company’s services, with customer support provided in six global languages, including Russian.
A distinctive feature of Unit Linked products is their legal structure as life insurance policies—an effective tax framework popular among Western investors. This format provides significant advantages for long-term investments:
- Legal tax optimization during the investment period enables more intensive capital growth. The owner also benefits from life insurance with appointed beneficiaries who will receive the funds in the event of their death.
- Special legal status of the insurance policy ensures reliable protection of assets: they cannot be claimed by creditors, government agencies, or other third parties. Even in divorce proceedings, these assets remain untouched and are not subject to division by court order, guaranteeing full ownership retention for the policyholder.
Reliability of Investors Trust Company
Let’s examine the reliability and security of assets in Investors Trust – key aspects for potential investors.
Company Structure and Registration
ITA Group operates as an international insurance holding with the parent company ITA International Holdings LLC registered in the USA. Three main jurisdictions are available for international clients to open investment accounts:
- The Cayman Islands is a British Overseas Territory and a recognized financial center operating under English law. The jurisdiction has a high credit rating of Aa3(AA-) from Moody’s agency.
- Puerto Rico functions as a US territory, where US legislation applies and the US dollar is used. It is a significant player in the international insurance market. Notably, Puerto Rico does not participate in the Common Reporting Standard (CRS) system for automatic exchange of tax information.
- Malaysia (Labuan) serves as a leading offshore financial center in the Asian region.
The selection of these jurisdictions is driven by the possibility of legal tax optimization, which helps reduce costs and increase investment efficiency. This is a common practice among large financial corporations.
Who Regulates the Company
- In the Cayman Islands, activities are regulated by the Cayman Islands Monetary Authority (CIMA).
- In Puerto Rico, oversight is provided by the Commissioner of Insurance of Puerto Rico.
- In the Labuan jurisdiction (Malaysia), the regulatory body is the Labuan Financial Services Authority (Labuan FSA).
You can always contact the relevant regulator to get answers to your questions. Government bodies strictly control compliance with client capital protection measures in the jurisdictions where the company is registered, ensuring a high level of security. All ITA divisions hold the necessary licenses to conduct financial and insurance activities.
What is the Insurance Company’s Financial Rating
International rating company A.M. Best has assigned Investors Trust group of companies a financial strength rating of A- (Excellent). This rating is confirmed annually with a stable outlook, indicating the company’s high reliability and strong growth prospects.
Unlike Standard & Poor’s and Moody’s, which cover a broad financial sector, A.M. Best has historically specialized exclusively in evaluating the insurance market and insurance companies.
You can download the current financial rating report of the company at this link.
Who Audits the Organization
Investors Trust Assurance SPC is audited by KPMG, one of the “Big Four” global auditors. The financial rating assigned by A.M. Best is based on reports prepared by this reputable auditor.
Where Are Client Assets Stored
Client assets are placed in specialized accounts that are separated from the company’s funds. This structure is known as a “segregated portfolio company.” When starting a program, a separate segregated portfolio is opened for you, guaranteeing reliable protection of your investments.
This means that ITA cannot use your assets to resolve its financial issues since they are outside its ownership. Funds are transferred to the insurance company’s account in the USA, after which these funds are used to purchase assets that are stored in reliable custodian banks such as Bank of America Merrill Lynch and Brown Brothers Harriman.
All processes are transparent, secure, and legal: the assets remain your property. These conditions will be clearly specified in the contract with the company.
What Happens to Assets in Case of Insurance Company Bankruptcy
Investment-type insurance companies have minimal bankruptcy risk since client assets are stored separately from the company’s own assets.
If the company experiences financial difficulties, the client should first contact the insurance company using the provided contacts, then approach the regulator, providing personal documents and insurance policy. Importantly, all procedures can be completed remotely, without the need to visit the company’s office.
In case of insurance company bankruptcy, the client risks nothing and has two options: 1. Withdraw their assets to a bank account 2. Transfer them under the management of another insurance company
In practice, regulators typically take measures to rescue troubled companies. This may include using reserve funds or conducting mergers/acquisitions where a larger company purchases the troubled one.
Investors Trust is an insurance broker company with a high reliability rating, surpassing many other financial institutions.
Membership in Organizations and Professional Communities
Investors Trust is a member of AILO — an association created by the largest international players in the life insurance market.
AILO’s purpose is to raise insurance companies’ operating standards and maintain a high level of customer service. The association’s members include leading global insurance companies such as Swiss Life, AXA (global insurance leader), Allianz, Canada Life, and others.
Participation in such an association confirms the company’s high international status and serves as a mark of exceptional service quality.
Investors Trust Awards
The company Investors Trust and its products have repeatedly received high ratings and prestigious awards.
- The S&P 500 Index Program won the “Best International Savings Plan” award from the authoritative International Adviser publication in 2019, 2020, and 2021. You can view the 2019 report at the provided link, and the official 2020 competition report is available on the publication’s website.
- The Access Portfolio product, recognized as the “Best International Portfolio Bond Plan” in 2018 and 2019, is an open-architecture account that allows investment in any global assets available on exchanges.
- The “Excellence in Fintech” award was granted for the company’s innovative approach and use of fully “paperless service technology.” Investors Trust’s online platform is considered one of the most user-friendly and informative for clients. You can review the report via the provided link.
- In 2021, the company received the “Investment Platform of the Year in Latin America“ award from PAN Finance.
Conclusion on Company Reliability
Investors Trust is licensed and regulated in leading international financial centers, confirming its compliance with high industry standards. Regular audits and a financial stability rating of “A-” emphasize its reliability.
Thanks to the segregated portfolio structure, client assets are protected and placed in the largest US custodian banks. The company’s programs are recognized globally, as evidenced by prestigious awards from authoritative publications.
Investors Trust has established itself as a reliable and time-tested financial intermediary worthy of your trust.
Why Investors Trust is Popular Among Expats from Developing Countries
Investors Trust (ITA) has become one of the preferred investment options for expats.
First and foremost, the company offers international solutions. This is particularly important for people who frequently change their country of residence or live between two countries and need a stable financial instrument not tied to a specific jurisdiction.
The second important aspect is the multi-currency nature of their products. The ability to invest in US dollars, euros, and other stable currencies is especially attractive to people from countries with unstable economies. This helps protect savings from devaluation and political risks in their home country.
Furthermore, ITA products feature a well-designed tax structure. The company’s Unit Linked plans are developed with international legislation in mind, allowing for legal tax optimization. This aspect becomes particularly relevant for those who fall under the tax regulations of multiple countries.
A significant advantage is also the diversity of investment opportunities while maintaining accessible entry thresholds. Unlike private banking, ITA’s services are oriented toward the middle class, yet clients gain access to a wide range of funds and strategies for creating a balanced portfolio.
ITA company also provides access to professional investment strategies from leading US and European management companies. This doesn’t require deep financial knowledge or market experience from the investor. This approach allows regular investment in diversified financial assets on global markets with maximum investment protection.
The quality of customer service is also noteworthy: multilingual support, understanding the specifics of working with clients from developing countries, a modern online account management system, and detailed reporting create a comfortable environment for investors.
The combination of all these factors makes Investors Trust an optimal choice for expats seeking to ensure the preservation and management of capital outside their home country’s financial system.
Investors Trust Products
All products are created based on an insurance policy, which allows not only effective capital management but also guaranteed transfer of funds to heirs. In case of the program owner’s death, designated beneficiaries receive a payment of 101% of the current investment account value.
Let’s examine the main programs and their key characteristics.
Evolution – a savings program for long-term capital formation:
- Features a minimal entry threshold of $100 monthly, making it the most popular product in the unit-linked line. For optimal results, contributions from $300 are recommended, with the most favorable conditions available for monthly investments from $500.
- Offers a flexible investment horizon of 5 to 25 years with a special bonus system for long-term investors. Regular contributions are made automatically from Visa or Mastercard bank cards without additional fees.
- Provides access to a wide range of investment funds, including ready-made strategies from global asset management leaders like BlackRock. This allows forming a diversified portfolio for individual financial goals.
Platinum – an investment program for effective capital growth:
- Requires a one-time investment from $10,000, although investing from $20,000 is recommended for optimal conditions. The program adapts its terms based on the initial deposit size, offering more attractive opportunities for larger amounts.
- Distinguished by flexibility in terms – investors determine their own fund placement duration without any time constraints. This allows building individual capital management strategies.
- Provides access to the same wide range of ready-made investment strategies and funds as the Evolution program, enabling professional portfolio diversification using proven instruments from leading management companies.
Access Portfolio – a premium investment account for large-scale capital management:
- Designed for large investments with a minimum entry threshold of $75,000, with optimal conditions available from $100,000. The program offers a choice of tariff plans considering individual investment goals and preferences.
- Offers unlimited flexibility in investment terms, allowing investors to independently determine their investment time horizon. This enables both short-term and long-term investment strategies.
- Provides maximum access to global financial instruments: from classic stocks and bonds to complex structured products and hedge funds. Large investors have access to special discounts and privileged service conditions.
S&P500 Index – a specialized investment program for working with the leading American index:
- Provides direct investment in the S&P 500 index, considered the benchmark indicator of the American stock market. The program has guaranteed returns up to 60% of invested capital with a minimum guaranteed level of 4.25% annually.
- Offers flexible entry conditions: both one-time investments and regular contributions from $200 monthly are possible. The program is designed for long-term perspective with an investment horizon of up to 20 years.
- Includes a bonus system and special rates for long-term investors, making it particularly attractive for extended fund placement. This maximizes potential returns while maintaining guaranteed minimums.
MSCI Index – a program for investing in developed economies:
- Provides the opportunity to invest in the MSCI index, reflecting developed markets dynamics. The program guarantees returns up to 60% of invested capital (depending on term), with a minimum guaranteed level of 4.25% annually.
- Developed considering various investment preferences: both one-time investments and regular contributions from $200 monthly are available. The program’s investment horizon is up to 20 years.
- Includes an attractive loyalty bonus system and special rates for those choosing long-term investment. This significantly increases investment efficiency for extended placement periods.
Fixed Income Portfolio – an investment program with fixed returns, serving as a profitable alternative to bank deposits:
- Developed considering various investor needs: available as a savings program for up to 15 years and deposits from $10,000 with an investment horizon of 3 to 10 years.
- Includes both fixed and floating interest rates ranging from 2.25% to 6% annually.
- Allows regular withdrawal of accrued interest, making the program an attractive instrument for creating passive income.
How to Choose the Right Investment Program
As mentioned earlier, Investors Trust products can be divided into two main types:
- savings programs with regular contributions and
- programs with one-time contributions. The choice between them depends on available funds and your investment return expectations. Let’s examine both options in detail.
If You Don’t Have Free Savings
If you don’t have significant savings but have a stable income and aim to build personal capital, a savings program would be the optimal solution. Such programs help develop financial discipline by motivating regular savings. For example, you might consider the Evolution program, which involves monthly contributions from 300 to 500 dollars for a term of 10 to 15 years or more.
For those who want guaranteed returns, programs linked to indices like S&P 500 Index or MSCI Index would be suitable. These programs offer guaranteed returns of up to 60% of invested capital over 20 years and up to 40% over 15 years. We calculated the minimum guaranteed return based on annual contributions of 5,000 dollars. Considering compound interest formula and all commissions, the net return is about 4.2%. The program recommends contributions from 300 to 600 dollars monthly for a term of 15 years or more.
If you prefer a conservative approach and want to receive fixed income similar to a bank deposit, consider the Fixed Income Portfolio program.
It’s worth noting that savings programs operate automatically: funds are debited from your card at set intervals and immediately invested in chosen instruments. With each contribution, you gradually move closer to your financial goal. For example, one client who invested in the S&P 500 index over 15 years accumulated more than 220,000 dollars.
It’s important to understand that savings programs are an effective tool for building capital, especially if you don’t have a large initial sum.
If You Have Free Savings
If you already have accumulated capital, you can choose either one-time contribution programs or savings programs (if you have stable income). For beginning investors with initial capital from $20,000, the Platinum program with an investment horizon of 5 years would be suitable. Those looking for a bank deposit alternative might consider the Fixed Income Portfolio program for terms from 3 to 10 years.
For more experienced investors with capital from $75,000 to $100,000, we recommend the Access Portfolio program, which is similar to a brokerage account and suitable for any investment terms.
Thus, program selection depends on your financial capabilities, goals, and risk tolerance. Whether you have starting capital or are just beginning your investment journey, Investors Trust offers solutions that will help you achieve your financial goals.
Potential Investment Returns with Investors Trust
When starting to invest through Investors Trust, it is important to consider that the returns on your investments will largely depend on the chosen investment strategy and funds. If you lean toward more conservative fixed-income instruments, you can expect to receive guaranteed returns in accordance with the terms of the contract.
As for investment programs that allow you to build a portfolio from various funds, the following average historical returns can be highlighted for different strategies:
- Conservative strategy: 3-6%
- Balanced strategy: 6-8%
- Aggressive (growth) strategy: 8-12%
It is worth noting that strategies and funds can be both purchased and sold during the investment process, allowing for flexible portfolio management. On the Investors Trust platform, you will also find ready-made model strategies developed by BlackRock, one of the largest American asset management companies. This is particularly convenient for investors who lack significant experience but aim to achieve attractive potential returns.
Additionally, Investors Trust offers access to over 200 funds, including ETF index funds from leading global asset management companies. Before a fund is listed on the investment platform, it undergoes rigorous scrutiny and selection by highly qualified specialists. Only those funds that have proven themselves as reliable instruments, demonstrating stability over a long period in their respective industries, make it to the final selection. Thus, it can be confidently stated that professional investors have handpicked the best options for you—you will be investing your funds only in vetted assets. All available funds and strategies can be explored on the company’s official website.
If you have a starting capital of $75,000 or more and investment experience, you can open an Access Portfolio account. This will allow you to purchase individual stocks, bonds, funds, and specialized structured products, thereby expanding your investment horizons.
Client Fees at Investors Trust
The amount of fees at Investors Trust varies depending on the chosen program, the size of the deposits, and the investment horizon. Long-term investors are eligible for special bonuses that help reduce overall costs. For example, in the Evolution savings plan, clients can receive cashback of up to 5% on each account top-up. Moreover, the higher the amount of regular contributions, the larger the cashback bonus.
Additionally, long-term and disciplined investors are eligible for loyalty bonuses, which can reach up to 7.5% of the total contribution amount. Thus, the duration of the investment period and the size of contributions directly impact the level of costs, allowing for greater investment efficiency. You can start with favorable rates by making initial contributions of $300 to $500 per month for a period of 10 to 15 years.
On average, the total costs for a savings program amount to approximately 1.5% per year. This is a highly competitive figure, especially when compared to domestic mutual funds (PIFs) or life insurance savings plans (NSZh), where expenses can reach 3.5-5% of the investment amount. The obvious difference in costs makes Investors Trust’s offering particularly attractive.
Advantages and Savings
The costs associated with Investors Trust programs are fully justified by various benefits:
- Tax Savings: Clients do not pay annual profit taxes, even when selling funds, as long as the funds remain within the insurance policy. This allows savings of up to 10-15% of the total capital, especially considering long-term investment horizons, such as 15 years.
- No Inheritance Tax: In the U.S., the inheritance tax is 40%, which is relevant for clients using the American broker Interactive Brokers. With Investors Trust, heirs receive funds as a tax-free insurance payout, exempt from taxes both in the U.S. and in the client’s country of residence.
- Savings on Advisor Fees: Most financial advisors charge between 1% and 2% of the capital for management. Investors Trust offers ready-made strategies developed by specialists, which do not require additional fees.
- Reduced Transaction Costs: The Evolution program includes up to 15 free rebalancings across 20 funds per year, equivalent to 300 buy/sell transactions without additional costs.
- Savings on Transfers: Account top-ups via card in the Evolution and SP500 programs are also commission-free, whereas banks may charge fees for SWIFT transfers.
- Security of the Investment Contract: The insurance contract with Investors Trust is valid for life and cannot be forcibly closed, unlike brokerage accounts, which are sometimes closed due to insufficient transparency of income sources.
- Financial Discipline: Adhering strictly to a financial plan promotes the automatic accumulation of the necessary capital.
- Investing Through a Reliable Company: Investors Trust has a high “A” rating, confirming the company’s reliability and stability.
For lump-sum investment programs, it is difficult to determine an average percentage of expenses, as the total costs depend on the specific investment amount. However, as the contribution size increases, more favorable rates can be negotiated.
It is important to note that you can request an individual calculation for any program, and our specialists will provide you with a personalized report detailing all fees and bonuses.
How to Open a Program with Investors Trust
The registration of an investment program with Investors Trust is only possible through a financial consultant-representative or a general broker. Our company, UNIT-LINKED.COM, is an official representative of Investors Trust and has a direct brokerage agreement with the company, allowing us to offer its services. If you decide to contact Investors Trust directly, please note that you will still be referred to a general broker. This is a standard global practice, where insurance companies delegate advisory functions to a professional network of brokers and consultants. The interaction model—“insurance company -> broker -> client”—is a widely accepted standard in the industry.
If necessary, you can contact the company using the provided details. Investors Trust has a dedicated customer service department where you can obtain the necessary information and support.
Why You Don’t Need a Financial Advisor
It is important to note that the services of a financial advisor are usually not free. However, you can save significantly and register for a program directly by using the services of our project, UNIT-LINKED.COM, completely free of charge. You will not need to pay advisors for consultations, organizing personal meetings, or creating financial plans.
As one of the key and experienced brokers, we will provide you with all the necessary calculations, collect the required documents, fill out the forms, and submit the package directly to the insurance company without any additional costs.
Application Process
The application process with Investors Trust is simple and transparent. When you apply, you enter into a contract directly with the insurance company and transfer funds to your personal account with Investors Trust. You can transfer money using one of the following methods:
- Bank card (Visa, MasterCard)
- Bank SWIFT transfer
The funds are not transferred to us but directly to the financial company where you open the account. Our role is to connect you with financial and insurance companies, ensuring a smooth and efficient process for opening an investment program.
Thus, by collaborating with UNIT-LINKED.COM, you can easily and cost-effectively achieve your investment goals through Investors Trust.
Steps to Open a Program with Investors Trust
Opening a program with Investors Trust is easy and transparent, which is one of the company’s key advantages. The process is streamlined thanks to paperless documentation, eliminating the need to print and sign numerous forms and applications. Let’s take a closer look at the main steps involved in opening a program.
- Submitting a Preliminary Application
To begin the process, you need to submit a preliminary application. This can be done by sending an email to . In the email, simply express your interest in the program. - Application Approval
After submitting your application, the UNIT-LINKED.COM team will review the information and, upon approval, contact you. At this stage, you will receive full details about the next steps. - Overview of the Online Account Features
Once the approval process is complete, we will provide you with a detailed explanation of the functionality of the Investors Trust personal online account. You will learn how to launch investment strategies and build portfolios using the available tools and resources. - Launching Investment Strategies
After familiarizing yourself with the online account features, you can launch your investment strategies. Our team will assist you at this stage, providing expert support. - Ongoing Support During the Investment Period
Throughout the investment period, you will receive regular updates on the status of your investments. Our team is always ready to answer your questions and provide up-to-date information about your investment portfolio. We strive to offer the highest level of support and comfort to all our clients.
Thus, the process of opening a program with Investors Trust is simple and transparent, providing a reliable foundation for your investment decisions. You can focus on your goals, knowing that you have the support of experienced professionals at every step.
Why It’s Beneficial to Open an Account with Investors Trust Through UNIT-LINKED.COM
Opening an account with Investors Trust through the UNIT-LINKED.COM project offers several significant advantages, making the process more efficient and comfortable. Let’s explore the key reasons why you should choose our project.
- Free Consultation and Support
You will receive a free consultation on opening investment and savings accounts with Investors Trust. Our team will accompany you throughout the duration of the program, providing expert support for any questions that may arise. - Openness and Transparency
Unlike some intermediary consultants who may not disclose all product details to clients, UNIT-LINKED.COM guarantees maximum transparency. You will be fully informed about all terms and features of the programs before deciding to open an account. This helps you avoid unexpected surprises and ensures you understand exactly what you are choosing. - Special Bonuses and Reduced Rates
By working with us, you gain access to special bonuses and reduced rates for programs. We maintain constant contact with insurance companies and promptly notify our clients of the most relevant offers. This allows you to take advantage of the best market conditions. - Independent Market Perspective
We provide independent analysis and work with a wide range of available financial instruments. We offer you only those programs that truly suit your needs, enabling you to make an informed choice among numerous options. - Experience and Reliability
Our project has been in the market for over 15 years, and we have accumulated significant experience in opening investment programs. This factor is crucial when choosing a reliable partner for your investments. We know how to effectively navigate the nuances and specifics of various programs, contributing to the successful management of your assets.
Thus, opening an account with Investors Trust through UNIT-LINKED.COM is not only convenient but also advantageous. Our team strives to make the process as comfortable and transparent as possible, giving you confidence at every step of your investment journey.
Conclusion
Investors Trust is a reliable tool that allows you to manage your finances, invest in global markets, and ensure your financial security, no matter where you are in the world.