Investors Trust — Provider Profile
Investors Trust is the international brand of the ITA Group — an AM Best A- rated insurer offering savings plans, index-linked plans with guaranteed maturity values and lump-sum portfolios to investors in more than one region of the world. Here's what it offers and who it suits.
and fees
in Thailand
unbiased guide
Investors Trust is one of the more widely used names in international savings in Latin America, Asia and the Middle East, and many British expats come across it through advisers in the region. It's the global brand of the ITA Group, a privately owned group of insurance companies with its main insurer in the Cayman Islands, a sister company in Puerto Rico and an Asian company in Labuan, Malaysia.
The group has been rated A- (Excellent) by AM Best, the specialist insurance rating agency, for eight consecutive years, and AM Best describes its capitalisation as being at the strongest level on its scale. Its products range from flexible monthly savings plans to plans linked to the US stock market with a guaranteed minimum value at maturity, and lump-sum portfolios — all sold through independent financial advisers.
This profile explains who Investors Trust is, what its main products do and what they cost, the strengths of the group and the points worth considering, and how its plans fit the life of an expat in Thailand. If you're considering an Investors Trust plan — or already have one — Lawrence offers a free, no-obligation review.
The short answer
Investors Trust is the brand of the ITA Group, a privately owned international insurer rated A- (Excellent) by AM Best, with its main company in the Cayman Islands. It offers Evolution savings plans (a contractual plan from US$100 a month, and more flexible Plus and Select versions from US$1,000 a month), an S&P 500 Index plan with a guaranteed minimum maturity value, other index and fixed-income options, and the Access Portfolio for lump sums. Plans are in US dollars, pounds or euros, sold through financial advisers. They suit long-term savers who can commit for the full term; early surrender and stopping payments can be costly, so the terms deserve close attention. Lawrence offers a free review to help you decide — or to check an Investors Trust plan you already hold.
Who Investors Trust is
Investors Trust is the global brand of the ITA Group, an international group of insurance companies. The group's main operating companies are:
- Investors Trust Assurance SPC, based in the Cayman Islands — the main insurer for international clients.
- ITA International Insurer, based and licensed in Puerto Rico.
- ITA Asia Limited, licensed in Labuan, Malaysia, for Asian business.
The ultimate parent is ITA International Holdings, a privately held company owned mainly by family trusts of its founders, John and William Zelaya. The group has regional offices in Hong Kong, Dubai and Montevideo, with support in Miami, and sells through independent financial advisers in Latin America, Asia-Pacific, Europe, the Middle East and Africa.
AM Best's most recent full report on the group (December 2024) gave group total assets of about US$3.9 billion at the end of 2023, capital and surplus of about US$225 million, assets under management of US$4.3 billion by mid-2024, and no outstanding debt. It assessed the group's balance sheet and operating performance as strong.
The AM Best ratings explained
AM Best is the leading rating agency for insurance companies. Its ratings measure an insurer's ability to meet its obligations to policyholders.
| Measure | What AM Best says |
|---|---|
| Financial strength rating | A- (Excellent), stable outlook |
| Consecutive years affirmed | Eight for Investors Trust Assurance SPC (December 2025) |
| Balance sheet strength | Strong — capitalisation at the strongest level |
| Operating performance | Strong |
| Debt | None outstanding |
| Ownership | Privately held by the founders' family trusts |
Sources: Investors Trust AM Best page (affirmation December 2025) and AM Best credit report (December 2024).
Investors Trust's solutions at a glance
The range covers three broad needs: regular saving into funds you choose (Evolution), index-linked saving with protection features (the S&P 500 and MSCI plans), and lump-sum investing (Access Portfolio, Fixed Income and Platinum).
Evolution: monthly savings into funds
Evolution is Investors Trust's main savings plan, and it comes in three versions to suit different savers.
Evolution (contractual)
The standard plan starts from US$100, £100 or €100 a month, over a fixed term of 5 to 25 years. Your payments are invested in funds you choose from a range of around 300 from major global managers, held directly so there are no extra layers of cost, with free switching. The plan rewards commitment: a welcome bonus of up to 105% based on your annual contributions, and loyalty bonuses of 7.5% of premiums after ten years and 5% every five years after that — provided all expected payments are made.
Evolution Plus and Select
For larger savers, from US$1,000 a month, Plus and Select offer much more flexibility: no fixed term and no surrender charges once the plan has run for a year. They don't receive bonus units, and they have different charging structures — a simpler, more flexible plan in exchange for the bonuses.
The choice between them comes down to commitment. If you're confident you'll save steadily for many years, the contractual plan's bonuses can add real value. If your income is less certain, or you may need access, the flexibility of Plus or Select may be worth more.
The Evolution versions compared
Key terms of the three Evolution versions, as reported by independent advisers reviewing the plans in 2026.
| Feature | Evolution (contractual) | Evolution Plus / Select |
|---|---|---|
| Minimum | US$, £ or €100 a month | US$1,000 a month |
| Term | 5 to 25 years | No fixed term |
| Bonuses | Welcome bonus up to 105%; loyalty bonuses from year 10 | None |
| Main charges | 1.9% a year on premiums (years 1–10), then 0.35%; 1.5% a year on value; US$7 a month | Plus 1.9% a year + US$10 a month; Select 1.5% a year + 1% for five years + US$10 a month |
| Leaving early | Surrender charges, waived after 15 years | No surrender charges after year one |
| Best for | Committed long-term savers | Larger, flexible savers |
Sources: Mike Coady (July 2026) and Kevin Crowther (September 2026) reviews of Investors Trust plans. Fund charges (about 0.5%–3%) are extra. Check the current product terms.
The S&P 500 Index plan: growth with a guaranteed floor
The S&P 500 Index Savings Plan is one of Investors Trust's most distinctive products. Instead of choosing funds, your plan's growth is linked to the performance of the S&P 500 — the 500 leading US companies — and it comes with a guaranteed minimum value at maturity, as a share of the premiums you've paid:
- 10-year term: at least 100% of premiums paid.
- 15-year term: at least 140%.
- 20-year term: at least 160%.
It starts from US$200 a month and is held in US dollars. For a saver who wants exposure to the US stock market but worries about a crash just before maturity, the guaranteed floor can be very reassuring.
The guarantee comes with conditions, and they matter. According to independent reviews, it's lost if premiums stop for more than 90 days, if you reduce your premiums, or if you take partial withdrawals. The plan therefore suits people who are confident they can keep every payment going for the full term — and is less suited to anyone whose income may be uncertain. Your adviser should explain exactly how the guarantee works, and what happens if circumstances change.
Lump-sum options
For a lump sum, Investors Trust offers several routes:
- Access Portfolio: a lump-sum plan investing in a portfolio of funds, typically from around US$25,000 to US$50,000.
- Fixed Income: a guaranteed fixed-income contract, for investors who want certainty rather than market growth.
- MSCI Index: an index-linked option tied to world markets.
- Platinum: a solution aimed at larger investors.
As with any lump-sum investment, the key questions are the total yearly cost, any charges for leaving early, how the investments are chosen and whether the currency matches your future spending. Our guide to lump-sum investment planning for expats explains the options more widely.
Where to start
Investors Trust plans are available only through a financial adviser. Start with a free conversation, and use the right provider to move your money.
1.Free review with Lawrence
Our recommended first stepLawrence Young is a British expat who has lived in Thailand for many years, with more than 30 years in international finance. He can explain how Evolution, the S&P 500 plan and the lump-sum options work, whether one suits your goals and how they compare with alternatives — or review an Investors Trust plan you already hold and tell you plainly where you stand. The first conversation is free, with no obligation.
- Cost
- Free first review
- Covers
- New and existing plans
- Contact
- Email, WhatsApp or LINE
- Best for
- Anyone considering or holding a plan
Why it works in Thailand
- Clear explanation of guarantees and charges
- Reviews of existing plans
- For expats, by an expat
Watch out for
- Ask how any ongoing advice would be paid for
2.Vita Capital
For funding a planOur FX partner for larger transfers — converting pounds to dollars to fund a lump-sum plan, or bringing money to Thailand — with a dedicated specialist, competitive rates and the option to fix your rate in advance.
- Best for
- Large and planned transfers
- Tools
- Spot, forwards, limits
- Regular payments
- Yes
- Rating
- 4.6 on Trustpilot
Why it works in Thailand
- Competitive rates on large sums
- Fix the rate in advance
Watch out for
- Rates are quoted, not published
3.Wise
For monthly contributionsMid-market conversion with a clear fee — useful for paying monthly dollar contributions from a pound or baht income, so the payments never miss.
- Rate
- Mid-market
- Fee
- Shown first
- Currencies
- Hold many
- Best for
- Monthly amounts
Why it works in Thailand
- Transparent
- Simple app
Watch out for
- No forwards or specialist
Understanding the charges
Like most international savings plans, Investors Trust's plans combine several charges, and it's the total that matters. On the contractual Evolution plan, independent reviewers report a charge of 1.9% a year on premiums for the first ten years, falling to 0.35%, plus 1.5% a year on the plan's value and a monthly policy fee — before the charges of the underlying funds, which range from about 0.5% to 3% a year. One reviewer estimates the total plan cost at around 3.4% a year in the first ten years, falling to about 1.85% after that, before fund costs.
Those charges are offset in part by the welcome and loyalty bonuses, which is why the plan rewards people who save for the full term. They also explain why leaving early can be expensive: set-up costs are recovered over the term, and a plan surrendered in its early years can return much less than was paid in.
The practical lessons are simple. Ask your adviser for the total yearly cost in dollars or pounds, including fund charges; ask what you'd get back if you stopped after one, five and ten years; and compare it with alternatives such as an international platform. Our guide to charges on long-term savings plans shows how to compare them.
How your money is protected
Investors Trust's main strength is its financial position. AM Best rates the group A- (Excellent), with capitalisation at the strongest level of its scale, strong operating performance and no debt — and has affirmed the rating every year for eight years. Unit-linked plans invest your money in the funds or index-linked contracts you choose, and you can follow your plan online.
It's worth knowing that the main insurer is based in the Cayman Islands rather than the Isle of Man. Protections for policyholders differ from one jurisdiction to another, and the Isle of Man's policyholder compensation scheme doesn't apply to companies elsewhere. Ask your adviser which ITA Group company will issue your plan and what protections apply. As with any genuine provider, your payments should go to Investors Trust in your name, never to an adviser — see our due diligence guide.
Strengths and points to consider
A balanced view of Investors Trust for expats.
| Strengths | Points to consider |
|---|---|
| AM Best A- (Excellent), affirmed eight years running | Main insurer in the Cayman Islands, not the Isle of Man |
| Strongest-level capitalisation and no debt | Charges on the contractual plan are relatively high early on |
| Low entry point — from US$100 a month | Surrender charges if you leave the contractual plan early |
| S&P 500 plan with a guaranteed minimum at maturity | The guarantee is lost if payments stop, fall or are withdrawn |
| Welcome and loyalty bonuses for committed savers | Bonuses depend on paying every premium |
| Flexible Plus and Select versions for larger savers | Available only through a financial adviser |
General observations from published information and independent reviews, October 2026 — not a recommendation for any individual.
Who Investors Trust suits
Investors Trust's plans tend to suit expats who:
- Want to save regularly in dollars for a long-term goal, and are confident they can keep paying.
- Like the idea of a guaranteed floor on stock-market growth, and can meet the conditions.
- Value a strongly capitalised, highly rated insurer.
- Want a low entry point — from US$100 a month on the contractual plan.
- Have larger sums to save flexibly, through Plus or Select.
They may be less suitable for people whose income is uncertain, who might need their money back early, or who want the lowest possible cost on a simple index portfolio — for whom an international investment platform may be a better fit.
How Investors Trust compares
A broad comparison with the other providers in our profiles.
| Provider | Based in | Known for | Strength |
|---|---|---|---|
| Investors Trust | Cayman Islands (ITA Group) | Evolution, S&P 500 guaranteed plan | AM Best A- |
| RL360 | Isle of Man (IFGL) | Regular Savings Plan, Oracle, PIMS | AKG B+ |
| Hansard | Isle of Man (London-listed) | Ascend, Global Select | 170% solvency, AKG B Strong |
| Lawrence (JLIT) | Thailand | Helps you choose between them | Free first review |
Investors Trust for expats in Thailand
- Currency: plans are in dollars, pounds or euros — choose the one you'll spend, and move money into baht as needs approach. The S&P 500 plan is dollars only.
- Keeping payments going: a dependable way to pay monthly premiums from Thailand protects your bonuses and any guarantee.
- Thai tax: foreign income and gains brought into Thailand by a Thai tax resident can be taxable since 2024 — see our tax residence guide.
- School and university fees: a plan timed to the fees can let growth pay a large share.
- A possible move: plans move with you, but check how a change of country affects your plan.
Already have an Investors Trust plan?
Many expats took out an Investors Trust plan in Dubai, Hong Kong or elsewhere and have since moved to Thailand. If you're thinking of stopping or cashing in — perhaps because the charges look high or the value seems low — get a review first. Stopping a contractual plan or an S&P 500 plan early can lose bonuses, the guarantee or a large part of the value, while continuing, adjusting or switching funds may serve you far better.
A review typically looks at:
- Which plan you hold and which ITA Group company issued it.
- Where you are in the term, and what surrender charges still apply.
- Bonuses and guarantees you'd keep — or lose — by continuing or stopping.
- Your funds — diversified, competitive and right for your goals?
- The currency, against where you'll spend the money.
- Your options — continue, reduce, pause, partially withdraw or plan for maturity — and the effect of each.
- Beneficiaries — up to date?
- Thai tax on any money you bring in.
Lawrence offers free reviews of existing Investors Trust plans, with a clear, honest summary of your options.
Three worked examples
Ben and Nok: twenty years of saving
Ben, 35, and Nok, 32, in Chiang Mai, want to save US$400 a month towards their daughter's university and their own retirement. They're confident in their income and like the idea of a guaranteed floor. Lawrence explains the S&P 500 plan's guarantee and its conditions, compares it with a flexible savings plan and a platform, and helps them choose the mix that matches their commitment.
Mark: an old plan from Dubai
Mark, 50, started an Evolution contractual plan in Dubai seven years ago and now lives in Pattaya on a lower income. He's thinking of stopping. A free review shows he's three years from his first loyalty bonus and that surrender charges would take a large slice of the value now. Lawrence helps him reduce his contributions within the plan's rules, switch to a worldwide fund mix and keep the plan running to the ten-year mark.
Paula: a lump sum
Paula, 58, has US$120,000 from a property sale and wants a portfolio she can draw from in retirement. Lawrence compares an Access Portfolio with an offshore bond and an international platform on total cost, flexibility and currency, so she can choose with all the facts in front of her.
Questions to ask before you start
- Which plan, and why rather than an alternative?
- Which ITA Group company will issue it, and what protections apply?
- What is the total yearly cost, including fund charges?
- What would I get back if I stopped after one, five and ten years?
- Exactly how do the bonuses and any guarantee work, and what would lose them?
- Which currency, given where I'll spend the money?
- How can I reduce or pause payments if my income changes?
- How is the adviser paid, and will they review it every year?
Your Investors Trust checklist
- Set your goal and timescale before choosing a plan.
- Be sure you can pay every premium for the full term.
- Understand the guarantee and bonus conditions in writing.
- Know the total cost and the surrender values.
- Choose diversified funds and review them yearly.
- Pick the right currency for your future spending.
- Keep beneficiaries up to date.
- Get a review before stopping or cashing in.
Keeping your plan secure
- Use a strong, unique password for your online policy access.
- Turn on two-factor sign-in wherever it's offered.
- Use a private, protected connection on hotel, café and condo Wi-Fi.
- Never share policy details with anyone who contacts you unexpectedly.
How we researched this profile
We used Investors Trust's own published information (Who We Are, its AM Best page and product library), AM Best's credit report on ITA Insurance Holdings (December 2024), and independent adviser reviews of Investors Trust's plans by Mike Coady (updated July 2026) and Kevin Crowther (updated September 2026) for product terms and charges. Product terms change and availability varies by country; always read the latest product literature. Checked 13 October 2026. This profile is general information, not a recommendation of any product for any individual.
Our verdict
Investors Trust is a strongly capitalised, AM Best A- rated international insurer with a broad range: Evolution savings plans from US$100 a month, an S&P 500 plan with a guaranteed minimum at maturity, and lump-sum options. Its plans reward savers who commit for the full term and keep every payment going — and can be costly for those who stop early. Understand the charges, bonuses and guarantee conditions, choose diversified funds and the right currency, and review the plan every year.
Considering Investors Trust, or already have a plan? For a free, no-obligation review, talk to Lawrence.
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Who is Investors Trust?
The global brand of the ITA Group, an international group of insurers with its main company, Investors Trust Assurance SPC, in the Cayman Islands.
How is Investors Trust rated?
AM Best rates it A- (Excellent) with a stable outlook, affirmed in December 2025 for the eighth consecutive year.
What does Investors Trust offer?
Evolution savings plans, an S&P 500 index plan with a guaranteed minimum at maturity, MSCI index and fixed-income options, and the Access Portfolio for lump sums.
What is the minimum for Evolution?
The contractual plan starts from US$100, £100 or €100 a month; Evolution Plus and Select from US$1,000 a month.
How does the S&P 500 plan guarantee work?
It guarantees at least 100%, 140% or 160% of premiums at maturity for 10, 15 or 20-year terms — but the guarantee is lost if premiums stop for 90+ days, are reduced or withdrawals are taken.
What are the charges?
On the contractual Evolution plan, reviewers report 1.9% a year on premiums for ten years, 1.5% a year on value and a monthly fee, plus fund charges. Ask for the total in writing.
Can I stop my plan early?
You can, but surrender charges apply on the contractual plan (waived after 15 years), and bonuses or guarantees may be lost. Get a review first.
Which currencies are available?
US dollars, pounds and euros. The S&P 500 plan is in US dollars only.
Where is Investors Trust based?
Its main insurer is in the Cayman Islands, with companies in Puerto Rico and Labuan, Malaysia, and offices in Hong Kong, Dubai and Montevideo.
Can I buy directly?
No. Investors Trust sells through independent financial advisers.
Is Investors Trust suitable for expats in Thailand?
It can be for committed long-term savers, especially in dollars. Make sure you can keep paying, and plan for currency and Thai tax.
Can someone review my Investors Trust plan?
Yes. Use the enquiry form on this page to book a free, no-obligation review with Lawrence, for a new or existing plan.
British expat and long-term Thailand resident with more than 30 years of experience in international finance. Lawrence writes the Just Landed in Thailand finance guides for people moving, travelling and retiring here.
Sources and how we checked
Investors Trust Who We Are, AM Best page and library; AM Best credit report (December 2024); Mike Coady (July 2026) and Kevin Crowther (September 2026) reviews. Checked 13 October 2026.
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Lawrence Young is a British expat who has lived in Thailand for many years, with more than 30 years in international finance. He helps expats and their families plan, save, invest and pass wealth on across the UK and Thailand — starting with a free, no-obligation chat.
Important: This guide is general information, not personal financial advice. Fees, limits and eligibility change; we checked every figure on the date shown, but always confirm the current terms with the provider before you apply or travel. Some links on this page may be affiliate links, which means JLIT may earn a commission if you open an account. This never changes the price you pay or the order of our recommendations.
