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Smart Growth, Secure Investment

The Institutional Indexed Funding Agreement (IIFA™) offers market-like returns with principal protection. Designed for credit unions, ideal for all risk-averse institutions.

Purpose Behind the IIFA™

Why Focus on Credit Unions?

Credit unions often face the dual challenge of needing to generate higher returns while maintaining strict principal protection. Traditional investment products either fall short in yield or expose the principal to significant risk. The IIFA™ was created to bridge this gap, offering a solution that meets these dual needs effectively. 

Explore the Key Features

Discover how the IIFA™ can enhance your investment strategy with its innovative benefits.

Comprehensive Principal Protection

Your entire investment, with all credited interest, is fully guaranteed, securing your principal even in market downturns.

Key Insights
  • Guaranteed Against Loss

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  • Credited Interest Security

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  • Regulatory Safeguards

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  • Risk Mitigation

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  • Trampoline Effect for Gains

Asymmetric Return Profile

Offers the potential for enhanced alpha by participating in market performance without high-water marks or deficit recapture.

Key Insights
  • Enhanced Alpha

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  • No High-Water 

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  • Participation in Market Upside​

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  • Automatic Reset Feature

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  • Deficit Recapture Avoidance

Stable Bond Replacement

A solid alternative to traditional bonds with guaranteed rates and the elimination of mark-to-market volatility

Key Insights
  • Guaranteed Fixed Rates

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  • No Mark-to-Market Volatility

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  • Reliable Income Stream

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  • Balance Sheet Stability

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  • Institutional Confidence

Transparent & Diverse Investment Options

Access diverse indices, fixed-rate options, and contract durations with no hidden fees, enabling tailored investment strategies.

Key Insights
  • Multiple Indices

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  • Varied Contract Durations

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  • Customization Flexibility

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  • No Hidden Fees

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  • Strategic Alignment

Secure Partnerships, Superior Performance

The IIFA™ is the result of a strategic partnership between Advisors Equity Group (AEG) and National Life Group (NLG). This collaboration brings together the unparalleled expertise and innovation of AEG with the financial stability and longevity of NLG, creating a powerful alliance dedicated to offering secure and high-performing investment solutions.

Strength in Numbers

100%

Principal Protection

175

Years delivering on Promises

47b

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Enhanced Counter-Party Strength

701.19

Fully NCUA Compliant

1

Risk Mitigating Investment Solution

Our Index Partners

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Secure Your Financial Future with Confidence

Discover how the IIFA™ can help you achieve financial success while safeguarding your investments. Take the first step towards maximizing market gains and protecting your financial integrity.

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