Insurance Program

Agreement Example

INSURANCE-BASED BUSINESS ENHANCEMENT PROGRAM AGREEMENT**
Private Trust Contract – Article I, Section 10 U.S. Constitution

THIS BUSINESS ENHANCEMENT PROGRAM AGREEMENT (“Agreement”) is entered into as a private contract under the authority of Article I, Section 10 of the United States Constitution by and between:

Bluhe Shire Trust, a private U.S.-based spendthrift trust located at
7901 4th St. N STE 6602, St. Petersburg, FL 33702,
hereinafter referred to as “Trust,”

and

[Client’s Full Legal Name], located at
[Client’s Address],
hereinafter referred to as “Client.”

The Parties voluntarily elect private contract jurisdiction and expressly reject statutory interference or impairment.

1. PROGRAM STRUCTURE & PURPOSE

This Agreement establishes an Insurance-Based Business Enhancement Program (“Program”) wherein:

1. The Client pays a Program Fee of $15,000,000 minimum (“Program Fee”).
2. The Trust provides the Asset (cash, gold, silver, or approved instruments) to be insured by the Client.
3. The Client obtains a Non-Recourse Insurance-Backed Loan Enhancement through the insured asset structure.
4. The Program targets a funding outcome of up to $150,000,000 in enhancement value.
5. The Trust receives 100% of the profit share generated from the insurance structure (insurance spreads, arbitrage, or yield mechanics).
6. The Client receives 100% of the Business Enhancement proceeds.
7. No profit share is taken from the Client’s revenue, business operations, or company profits.
8. This is a private trust relationship, not a joint venture, not equity-based, and not a partnership.

There are no equity transfers, no operational control provisions, and no participation in the Client’s business revenues.

The structure is designed for insurance-wrapped financial enhancement, not lending or investment solicitation.

2. PROGRAM FEE – $15,000,000 MINIMUM

The Client shall pay a non-refundable Program Fee of Fifteen Million Dollars ($15,000,000), which:

• Activates the Program
• Initiates compliance and onboarding
• Authorizes the Trust to supply the insured Asset
• Allows insurance underwriting to begin
• Initiates Program timeline
• Covers processing, structuring, and operational setup
  
  

The Agreement becomes effective upon verified receipt of the Program Fee.

3. INSURANCE-BASED ENHANCEMENT STRUCTURE

3.1 Trust Asset Provided for Insurance:

The Trust will provide an approved Asset (“Insurance Asset”) which may include:

• Cash
• Gold
• Silver
• Approved hard assets
• Approved financial instruments
  
  

This Asset is provided exclusively for the purpose of insurance underwriting.

3.2 Insurance Policy

The Client must purchase an insurance policy from an approved insurer using:

• The Trust’s Asset as the insured underlying
• Program parameters as defined during underwriting
• All insurer requirements as applicable
  
  

The insurance policy becomes the basis of the enhancement.

3.3 Enhancement Value

The Program targets a business enhancement outcome of up to: One Hundred Fifty Million Dollars ($150,000,000)

The actual enhancement amount may vary based on underwriting, insurer evaluation, and asset classification.

3.4 Non-Recourse Loan Structure

All enhancement proceeds delivered to the Client:

• Are delivered under non-recourse terms
• Require no repayment from the Client
• Are not treated as debt owed to the Trust
  
  

The Trust’s compensation derives solely from insurance spread and profit share within the insurance model.

3.5 Client’s Use of Enhancement

The Client may use the enhancement funds for:

• Business development
• Capital expenditures
• Projects
• Acquisitions
• Operations
• Any lawful commercial purpose
  
  

100% of enhancement proceeds belong to the Client.

3.6 Timeline

The Program’s target timeline is:120 days (4 months) to funding or enhancement delivery, subject to insurer processes, underwriting schedules, and third-party timelines.

4. PROFIT SHARE

4.1 Trust Profit Share

Bluhe Shire Trust retains 100% of all profit generated from the insurance mechanism, including:

• Insurance profit spread
• Arbitrage
• Yield
• Internal trust benefit
• Any structured profit created by insurance mechanics

4.2 Client Profit

The Client retains 0% of insurance profit, but receives 100% of all enhancement proceeds delivered to them as part of the Program.

5. CONFIDENTIALITY & NON-DISCLOSURE

6. REPRESENTATIONS & WARRANTIES

7. INDEMNIFICATION

8. AUDIT & FINANCIAL REPORTING

The Trust may request reporting solely for:

• Verification of insurance performance
• Verification of enhancement delivery
• Compliance procedures

The Trust has no audit authority over the Client’s business operations.

9. NON-COMPETE & NON-SOLICITATION

10. ESG STANDARDS

11. INTELLECTUAL PROPERTY

12. TERMINATION

12.1 Termination Rights

Either Party may terminate for:

• Material breach
• Insolvency
• Illegal conduct
• Mutual agreement

12.2 Termination Effect
Upon termination:

• The Program Fee is non-refundable
• The Insurance Asset must be returned to the Trust (if still in underwriting or custody)
• All rights cease
• Trust owes no enhancement if the Program is terminated before underwriting approval

13. GOVERNING LAW – ARTICLE I, SECTION 10

This Agreement is a private contract governed exclusively under Article I, Section 10, protected from statutory impairment. No state court jurisdiction applies unless mutually agreed.

14. DISPUTE RESOLUTION – ICC ARBITRATION

15. TAX RESPONSIBILITY

Each Party is responsible for its own tax obligations.

16. EXECUTION
IN WITNESS WHEREOF, the Parties execute this Agreement as a private contract under Article I, Section 10, effective immediately upon receipt of the Program Fee.

SIGNATURES.