Private Placement Life Insurance (PPLI)
A Smarter Approach To PPLI
Strategic Exclusive Wealth Strategies for Ultra-High-Net-Worth Families – From $10 Million to $1 Billion and Beyond.
Are you paying taxes on your investments?
Minimum Investment:
$3 Million+ for cost efficiency.
Investment Flexibility:
No insurance-dedicated funds required.
Your Funds Are Liquid:
Funds stay in Schwab/Fidelity, fully accessible.
Three Million Minimum Investment Required
What Makes This PPLI Unique?
f you could make all your investments tax-free for life by paying an additional 45 basis points, would you do it?” The response? An unequivocal “Yes!”
- Enhanced investment returns due to tax-free compounding.
- Superior creditor protection.
- investment strategies tailored to individual goals.
Get clear financial insight
PPLI’s appeal lies in its ability to maintain the client’s current investment framework—whether with Charles Schwab, Fidelity, or another trusted custodian—while wrapping it in a tax-efficient legal structure. Assets remain legally segregated from the insurer’s balance sheet, offering unmatched security and flexibility.
Key Features
Key Innovations in Private Placement
Tax Efficiency:
It creates a tax-free “wrapper” around investments, significantly boosting after-tax returns.
Asset Protection:
Assets remain separate from the insurer’s balance sheet, safeguarding them from creditor claims or bankruptcy risks.
Cost Effectiveness:
With fees of 0.4%–0.6%, PPLI costs less than alternatives like Morgan Stanley, UBS, or Zurich, which often exceed 1%.
Asset Segregation:
Using U.S.-based insurers domiciled in favorable jurisdictions like Puerto Rico, PPLI ensures that assets are legally separated from the insurer’s financial obligations.
Global Reinsurers:
Policies are often backed by reinsurers such as RGA and Munich Re, reducing reliance on a single insurer and enhancing security.
Cost Efficiency:
The streamlined structure reduces fees significantly compared to traditional high-cost insurance products.
How it works
The Path to Implementation
Establishing Structures Is Key
State-specific LLCs may help to avoid state premium taxes.
Educating Your Advisors
Such as CPAs and estate attorneys—on the benefits.
Reputable Insurers and Reinsurers
Ensure compliance and cost efficiency.
Understanding The Process
Though it takes months, PPLI offers unmatched benefits for clients with $5M+ in non-qualified assets.
Downloads
0
B+
Registered Investment Advisors
0
Active Users
0
M+
Get Awards
0
Are You Paying Taxes On Your Investments?
Have You Out Grown Your Advisor?
"PPLI enables clients to transform their existing portfolios into tax-advantaged investments without changing custodians or sacrificing control."
Paul O. RIA
Financial Advisor
Success Through Collaboration
Collaboration with legal, tax, and insurance experts is crucial.
Why Some Advisors Avoid PPLI?
- No upfront commissions.
- No premium loads or hidden fees.
- Only fee-based advisors benefit from AUM management.
