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  • Tontines

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      Introduction to Tontines

      Start here if you are new to Tontines & longevity pooling

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      About Tontine Trust

      Find out more about who we are, how we got started and the mission we are on

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      Research & Whitepapers

      Read the latest academic papers and research advocating for more Tontines

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      Tontines in the News

      Read the latest news on Tontine Trust and the Tontine renaissance

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      Videos & Interviews

      Sit back and watch what the world says about Tontines

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      Download the Apps

      Download the Tontine App and manage your lifetime income from your mobile or tablet.

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      The Tontiner Blog

      Lifestyle tips for Tontiners that want to Live Long & Prosper®

  • Trust Funds

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      What is a Tontine Trust Fund?

      Build your personalised passive income strategy and start enjoying monthly payouts from any age.

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      Visualise your Potential Payouts

      See why longevity pooling compares favourably to standard wealth management strategies

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      Gold Tontines

      Lifetime Income Trusts backed by physical Gold, the world’s reserve asset

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      Tontine BOLD

      A Lifetime Income Trust backed by Bitcoin and Gold

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      Bitcoin Tontines

      Lifetime Incomes backed by the worlds favorite digital asset

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      Islamic Tontines

      Naturally shariah compliant lifetime incomes based upon ethical risk sharing principles.

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      Coming soon

      Silver Tontines

      Lifetime Income Trusts backed by physical Silver

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      Trust Funds for Children

      Give your children an inheritance that will last a lifetime

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      Enjoy Zero Setup Costs & Low Fees

      Start growing your Tontine Trust Fund now with zero setup costs.

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      NEW

      Local Payment methods in over 40 countries

      Fund your trust with low-cost local bank transfers through our global partner network

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      NEW

      Flexible Distribution Profiles

      See how to adjust your payouts to balance what you need right now versus later

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      Receive a Free Tontine Card

      Forget about a bank account, spend your income from your free Tontine Card

  • Pensions

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      The TontineIRA®

      Transfer a standard IRA/401k to a lifetime income IRA with added longevity pooling

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      Tontine Trust Pensions

      Switch to a pension that that offers a steady income that will last as long as you do

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      Solutions for Pension Providers

      Our Tontines-as-a-Service platform enables you to add longevity pooling returns to your standard pension products

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      For Banks, Credit Unions & Trusts

      Offer a lifetime income banking product that supports clients for years

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      Coming soon

      Associations

      Best in class pensions for your members

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      Coming soon

      National Tontine Pensions

      Offer lifetime social security for citizens without relying on government guarantees

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      Islamic Pensions

      Award-winning naturally shariah compliant pensions for the muslim world.

  • FAQs

Go to App
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Offer Lifetime Income plans within weeks

Our Tontines-as-a-Service platform enables you to offer your own lifetime income plans via a simple software integration.

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Tontines as a Service

Our ‘Powered by’ solution is designed to quickly enable the following types of entities to offer lifetime income plans to their clients/members:

  • Banks & Credit Unions
  • Federal or State Chartered Trusts
  • Churches & related Organistions
  • Unions
  • Charities
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How it Works

Our tontine platform integrates to your existing backend to enable your clients/members to open Lifetime Income Tontine Trusts through our mobile & web applications.

Depending on your preferred configuration, your clients/members cash and investments can continue to be held at and managed by your institution for an average duration of 30 years or you can simply delegate these fiduciary responsibilitiesFiduciary duty is the legal obligation where a person (the fiduciary) must act in the best interests of another person or group (the beneficiary/client), putting those interests ahead of their own and avoiding any conflict of interest.

For example, in a trust, the trustee has the fiduciary duty to act in the best interests of the beneficiaries of the trust, whereas in an insurance company, the officers of the insurer have a fiduciary duty to act in the best interest of the insurers shareholders rather than in the best interest of their policyholders/clients. to the Tontine Trustees.

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Let our RoboActuary handle the calculations

On a nightly basis our RoboActuary monitors investment returns, interest rates and mortality rates to provide real time forecasts of future incomes for each client/member.

After running all of the payout calculations, our system will connect to the banking partner to initiate the monthly payout from the member’s Tontine account to their regular bank account and, where applicable, with any tax withheld automatically being relayed to the authorities.

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Advantages for Banks & Trusts

Instead of entering into networking arrangements whereby the banks lose deposits in return for a share of an annuity commission, banks can now:

  • Retain the deposit for a decade or more at market CD rates.
  • Earn an ongoing fee share for managing the account assets.
  • Offer other banking products secured against this income stream.
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  • About Us
  • About Tontine Trust
  • The Team
  • Our Advisors & Ambassadors
  • Who we work with
  • Transparency Policy
  • Investor Relations
  • Supervisory Authority
  • Regulatory Status
  • Download the Apps
  • Awards
  • For Providers
  • For DC Providers
  • For Banks, Credit Unions & Trusts
  • For Employers
  • For Schools, Churches & Nonprofits
  • For Governments & States
  • Influencers & Affiliates
  • Resources
  • Tontines in the News
  • Videos & Interviews
  • Research & Whitepapers
  • The Tontiner Blog
  • Referral Reward Program
  • Download the Apps

Terms & Conditions

Privacy Policy

Legal & Regulatory

For Banks

For Regulators

References to ‘tontine’ on this site describe the longevity-risk sharing mechanism used to adjust trust distributions; distributions are made by the trustee in accordance with the trust terms.

Tontine Trust Europe KB (“Tontine Trustees” or the "Trustee") is a Swedish authorised trust management company. We provide fiduciary trust services, including the establishment and administration of irrevocable trusts and the management of trust assets, in accordance with applicable trust laws.

We establish irrevocable lifetime Tontine trusts for clients worldwide, except where restricted by local law.

Our fintech platform enables individuals to establish an individual Tontine Trust Fund efficiently and securely. The patented platform supports trust administration, asset selection, distribution modelling in accordance with predefined trust terms and applicable fiduciary duties.

Information provided on this website or through our platforms is general information only and does not constitute personal financial, investment, legal, or tax advice. You should seek independent professional advice before making decisions.

The selection of assets held within a Tontine Trust Fund is the responsibility of the member. Tontine Trustees is not responsible for outcomes resulting from a member’s asset preferences, except to the extent required by our fiduciary duties in administering the trust.

Trust assets are subject to market risk, and losses — including loss of principal — are possible.

Any illustrations or examples of lifetime distributions shown on this website or in related materials are indicative only.
Distributions from a Tontine Trust Fund are not fixed or guaranteed and may increase or decrease over time based on factors including asset performance, longevity assumptions, and the survival experience of members within the same tontine class.

Distribution estimates are generated using probabilistic and financial models that are regularly reviewed and adjusted to reflect changing conditions. Estimates are for illustrative purposes only and are not predictions or guarantees.

Redistribution on Death

When a Tontine Trust member dies, any leftover trust balance is redistributed among the surviving members of the same Tontine Class, in accordance with predefined trust rules governing survivorship-based allocation of beneficial interests. As a result, no trust balance remains for inheritance by spouses, children, other beneficiaries, or creditors.

Members who wish to provide separately for family members should consider establishing and funding separate trusts for those individuals.