Airlines and hotels can cut the value of your points overnight. No warning. No compensation. No recourse. Until now.
A monthly benchmark independently calculated by MileProtection across 18 major programs. Updated on the 1st of each month and used as the reference trigger for all protection contracts.
| Program | Type | Value per point | 30-day change | Trend (90d) | Risk level |
|---|---|---|---|---|---|
United MileagePlus | Airline | 1.42¢ | â 3.2% | â Declining | Elevated |
Delta SkyMiles | Airline | 1.20¢ | â 1.8% | â Declining | Moderate |
AA AAdvantage | Airline | 1.51¢ | â 0.4% | â Stable | Low |
Air Canada Aeroplan | Airline | 1.35¢ | â 0.2% | â Stable | Low |
Avianca LifeMiles | Airline | 1.10¢ | â 2.1% | â Declining | Elevated |
Avios BA · Iberia · Qatar · Finnair | Airline | 1.31¢ | â 5.1% | â Declining | Elevated |
Miles & More LH · Swiss · Austrian⦠| Airline | 1.38¢ | â 0.2% | â Stable | Low |
Flying Blue Air France · KLM | Airline | 1.10¢ | â 2.9% | â Declining | Moderate |
Aegean Miles+Bonus | Airline | 1.05¢ | â 0.1% | â Stable | Low |
Qantas Frequent Flyer | Airline | 1.40¢ | â 1.4% | â Declining | Moderate |
Singapore KrisFlyer | Airline | 1.35¢ | â 2.2% | â Declining | Moderate |
Cathay Asia Miles | Airline | 1.28¢ | â 3.8% | â Declining | Elevated |
Turkish Miles&Smiles | Airline | 1.15¢ | â 0.3% | â Stable | Low |
Etihad Guest | Airline | 1.20¢ | â 1.6% | â Stable | Moderate |
ANA Mileage Club | Airline | 1.50¢ | â 0.1% | â Stable | Low |
JAL Mileage Bank | Airline | 1.45¢ | â 0.2% | â Stable | Low |
Marriott Bonvoy | Hotel | 0.71¢ | â 2.4% | â Declining | Elevated |
Hilton Honors | Hotel | 0.55¢ | â 1.1% | â Declining | Moderate |
World of Hyatt | Hotel | 1.70¢ | â 0.1% | â Stable | Low |
IHG One Rewards | Hotel | 0.50¢ | â 3.8% | â Declining | Elevated |
MP Index values are calculated independently by MileProtection using a proprietary multi-source methodology. Updated on the 1st of each month. Full methodology available to investors under NDA.
We applied proven financial instruments to a $300 billion market that has never had protection. No claims adjusters. No arguments. Automatic.
Enter your airline and hotel loyalty balances â however you earned them. We calculate your total notional value using the current MP Index.
Select Maximum, Standard, or Basic. Like choosing a deductible on car insurance â each tier has a clear threshold and annual premium.
If the MP Index for your program drops past your threshold, payout is calculated and transferred within 48 hours. No claims. No phone calls.
Like car insurance â the lower your deductible, the higher your premium. All plans cover airline miles and hotel points combined.
All plans cover combined airline and hotel loyalty balances. Premiums are indicative and subject to final actuarial review at launch. Contracts activate 30 days after enrollment. One payout event per program per year maximum.
Sophisticated investors back the protection pool through a dedicated SPV. Loyalty currency devaluation risk has zero correlation to equities, rates, or credit â making this a genuinely uncorrelated addition to any institutional portfolio.
The pool is backed by strong risk controls: 18 programs across airlines and hotels, geographic diversification, per-program exposure caps, and contractual protections against systemic and extraordinary events.
Participation limited to qualified investors. Minimum commitment $250,000. 24-month lock-up. Interested? Contact us directly.
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