Private Placement Life Insurance (PPLI) is a fully transparent, flexible insurance structure used for investment, tax, and estate planning for high net worth individuals
Most advisors, family offices, or high net worth individuals associate life insurance with the features of retail whole life policies: large broker sales commissions, opaque and rigid structures, high policy charges, and expensive investment management fees. Understandably, these features lead to the avoidance of what is otherwise a valuable investment, tax, and estate planning tool.
PPLI eliminates the negative features commonly associated with retail whole life products, resulting in a highly attractive planning tool available to high net worth families and individuals. This page provides an overview of tax considerations, structural basics, benefits, and other considerations relevant to PPLI: