Frequently Asked Questions

— SurancePlus by Oxbridge Re Holdings —

Are the T20 and T42 tokens cryptocurrencies?

No. These tokens are not cryptocurrencies. They are Real-World Asset (RWA) backed securities, compliant with U.S. Securities law, that have been digitized to provide easier access to investors. The assets backing the securities are fully collateralized reinsurance contracts underwritten by Oxbridge Re’s regulated reinsurance subsidiaries.

What is the investment in?

The investments are in a balanced-yield (T20 – 20% annualized) and a high-yield (T42 – 42% annualized) reinsurance contract pool.

Do I need a digital wallet to invest?

SurancePlus has hired an SEC-registered transfer agent to provide a simple Investor Portal where investors can download the offering documents, sign their subscription agreements, view wire transfer details, transfer investment funds to SurancePlus, and monitor their investments without needing to own a digital wallet.

However, tech-savvy investors who wish to self-custody their tokens can still use their ERC-20 or WalletConnect compatible wallet by registering it in the Investor Portal.

What is Reinsurance?

Put simply, reinsurance is insurance for insurance companies. Insurance companies purchase reinsurance to reduce risks associated with the occurrence of exceptional, catastrophic events, such as hurricanes, that could expose them to significant losses and potentially put them out of business. Oxbridge Re, parent company of SurancePlus, has operated in the reinsurance industry for over 10 years through its regulated, licensed reinsurance subsidiaries.

What are Tokenized Reinsurance Securities?

Reinsurance Securities are Real-World Assets (RWAs). Tokenization is the process of fractionalizing and converting rights to these RWAs into a digital token representation that can be recorded and securely managed on a blockchain network. Each token represents, directly or indirectly, a fractional interest held in the underlying asset, meaning that the holder of the token possess evidence of a claim to a portion of the asset’s value or the right to participate in its fortunes.

Can U.S. persons invest in this offering?

Yes.

The offering is available to U.S. accredited investors under Rule 506(c) of SEC Regulation D of the U.S. Securities Act of 1933, as amended.

Can non-U.S. persons invest in this offering?

Yes.

The offering is available to non-U.S. persons under Regulation S of the Securities Act of 1933, as amended.

Do US investors need to complete accreditation verification checks?

Yes.

Prospective investors from the United States must complete accreditation verification checks in accordance with SEC Regulation D of the US Securities Act of 1933, as amended.

Do both US and Non-US investors need to complete Know Your Customer checks?

Yes.

Are these non-fungible tokens (NFT)?

No.

Neither T20 nor T42 is an NFT.

Are these utility tokens?

No.

Neither T20 nor T42 is a utility token.

Are T20 and T42 ERC-20 tokens?

Yes.

The T20 and T42 digital securities are implemented as ERC-20 tokens.

Where is ownership of these tokens recorded?

SurancePlus has hired a United States Securities and Exchange Commission SEC-registered transfer agent which will maintain records of the ownership of issued securities in Traditional Book Entry (TBE) form.

The ownership of issued tokens will also be recorded on the Solana blockchain network.

Will SurancePlus offer a token custody solution to investors?

No.

The SEC-registered transfer agent hired by SurancePlus will maintain records of the ownership of issued securities.

However, investors that wish to self-custody their digital securities can use their ERC-20 or WalletConnect compatible wallet.

Can investors fund their investor portal accounts with stablecoins?

Yes.

Payments for investments may be made via USDC or wire transfer (USD).

Is Oxbridge Re a publicly traded company?

Yes.

Oxbridge Re, parent company of SurancePlus, is a publicly traded company listed on the NASDAQ under ticker symbol OXBR.

Where can I find Oxbridge Re’s public company filings?

Oxbridge Re’s company information and filings can be found on the SEC’s website here: Oxbridge Re SEC filings.

What is DeltaCat Re?

DeltaCat Re is the first token of the Cat Re tokenized reinsurance series. It was issued by SurancePlus in 2023.

Investors in DeltaCat Re are on track to receive a 42% first year return on investment. The SEC filing for DeltaCat Re can be found here: Oxbridge Re Form 8-K for DeltaCat Re Offering

Where can I find Oxbridge Re’s Form 8-K SEC filing about the DeltaCat Re digital security?

The SEC filing for EpsilonCat Re can be found here: Oxbridge Re Form 8-K for EpsilonCat Re Offering

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