What We Offer
Private Placement Life Insurance
Private Placement Life Insurance is a unique life insurance policy that allows policyholders to invest in equities, fixed-income investments, and alternative investments.
What is Private Placement Life Insurance?
Private Placement Life Insurance (PPLI) is a type of life insurance policy that is typically offered only to policyholders who meet the Internal Revenue Code’s definition of an accredited investor and/or qualified purchaser or are an institutional investor. PPLI policies are customized, flexible, and tailored to the unique needs of each policyholder. It is typically used as part of an overall wealth management strategy to help preserve and transfer wealth to future generations.
PPLI is a type of variable universal
life (VUL) insurance that offers:
- The potential for tax-deferred growth in the policy’s cash value
- Generally tax-free access to the accumulated cash value (via loans or limited withdrawals)
- Tax-free transfer of wealth to heirs through the policy’s death benefit
Those considering PPLI typically have
one or more of these characteristics:
- Desire a long-term tax diversification strategy
- Want to enhance tax efficiency on investments
- Seeking to make tax-efficient investments following a liquidity event
- Interested in future, supplemental income
- Have an established wealth transfer trust with liquidity
- Seeking to make an investment in alternative assets
- Have a need for life insurance for estate and wealth planning
- Planning to gift to charity