FlexGIA™ provide a unique technology designed to mitigate market, credit, operations, regulatory, systemic and re-hypothecation risk exposures, increase risk-adjusted returns and lower risk-based capital requirements.
In addition, FlexGIA™ is a core source of funding, transforming and diversifying investment risks into US Treasury | Agency credit quality.
FlexGIA™ is a form of high quality, short duration, floating rate debt obligation issued by a special purpose insurance company, an IAC™ Insurer. The information below identifies an array of types of instruments an IAC™ Insurer may acquire from banks, insurance companies, and portfolio funds. Bespoke Series of FlexGIA™ may be issued. A portfolio of FlexGIA™ may provide diversification in interest crediting rates with an agreed lifetime and annual cap and floor structure, as well as providing diversification in timing of prepayment and its"look back make whole" prepayment premium.
USD$150 billion
FlexCD™ Diversified Regulatory Debt Series Portfolios
(which may be increased based on demand)
Interest credit spreads above annually reset 1 Year Treasury Index benefit from IAC Insurer's risk mitigation and investment activities associated with a wide range of investment strategies.
FlexGIA™ is a form of floating rate medium term insurance company debt obligation designed to facilitate unique funding and risk mitigation applications, with each payment of interest and repayment of principal fully supported by eligible government obligations.
FlexGIA™ enable transformation of a variety of assets into holding high quality floating rate debt obligations the interest on and repayment of Principal of which are fully backed by US Treasury | Agency obligations, with no timing or currency risk. This unique debt instrument mitigates market value risk, credit risk, operations risk, systemic risk and re-hypothecation risk exposures.
A portfolio of FlexGIA™ provides High Quality Income Diversification, mitigating market and credit risk, low risk based capital for regulated banks and insurance companies, which may be applied to increase capital and as a funding vehicle.
IAC™ Insurers may provide a wide range of funding facilities for Communities whose depository institutions, insurance companies, local municipal governments and investment funds participate in FlexGIA™ Series.
This document provides a summary of FlexGIA™, one of four standard contract forms used by IAC™ Insurers.
The FlexGIA™ Policy Form may only be issued by IAC™ Insurers which
are Investors Guaranty Assurance Type life|assurance companies, licensed for a specific FlexGIA™ contract Form.
This Policy Form is Version 5.0 for USDollar applications. It is
specifically designed only for use in USD transactions. The contract may be issued as a medium-term debt obligation.
Not an offer of securities. For information purposes only. For
specific contract terms, reference should be made to applicable
Information Memorandum, Supplement, and actual contract documents.
This
document provides an informational summary of FlexGIA™ Contract Form
Version 5.0, currency specified as United States Dollars.
IGF Act
Company technologies have been subject to patents in the United
States, Bermuda, New Zealand, Australia, United Kingdom and European
Union. No license is granted hereby for public distribution.
©2009-2025 IAC™ Insurers All Rights Reserved. IAC01212023FlexGIA™ Contract Highlights – 5.0 USD
FlexGIA™ may be issued in a variety of Series. The example below illustrates Series associated with regulatory capital for Community Banks and insurance companies.
FlexCD™ Diversified Regulatory Debt Series Portfolios are to be issued under four Series types.
FlexGIA™Series of differing strategies may give rise to variances in interest crediting rates. A portfolio of FlexGIA™ may provide diversification amoung annual interest income streams potentially resulting in consistently higher annual returns over time, although no assurance can be given. Portfolio effect may also apply to average life. FlexGIA™ Series related to US Community Banks, for example, may be included as a new asset subclass in USD government obligations to add national, regional, type, size and other diversification elements related to banking regulatory debt exposure, with interest and principal fully supported by US Treasury and Agency obligations.
FlexETF™ is designed to facilitate inclusion of FlexGIA™, FlexLoan™ and FLEXnote™ into Exchange Tradeable Funds ("ETF") in an optimised fashion providing ETF holders diversification and market access, while providing ETF asset issuers with benefits of liquidity and diversification, designed to lower cost of financing for these issuers.
FlexRewards™ was designed to facilitate transactional interaction between participants in various types of Ecosystems facilitated by Principals of Alasdair Douglas & Co.
Sponsor participants may benefit from FlexRewards components of HGVS ECOSYSTEM.
As illustrated above, FlexGIA™ are designed as credit quality obligations backed by US Treasury and high credit quality agency debt obligations.
A variety of balance sheet and other financial risk exposures may be transformed to FlexGIA™.
