What Private Placement Life Insurance Is and Why It Matters

You’ve spent decades building something extraordinary. Whether through your business or investments (or both), you’ve created wealth that extends beyond personal financial security. It’s your life’s work.

So how do you protect what you’ve created and pass it to the next generation as efficiently as possible?

Private Placement Life Insurance (PPLI) might be part of your answer. As taxes climb and wealth transfer grows more complex, a low-cost, variable solution like PPLI offers families like yours a way to preserve more.

What Is PPLI?

PPLI lets you hold and grow your investments within a life insurance structure that provides significant tax advantages. It involves moving your portfolio to a more tax-efficient location while keeping everything else exactly as you want it.

Your current investment advisor continues to manage your assets. You maintain access to your preferred investment strategies, while the life insurance framework creates the tax benefits that can make a meaningful difference over time.

You Fund PPLI

Initial Investment

PPLI Policy Structure

Tax-Efficient Framework

Your Investments

Same Advisor & Strategy

Growth & Access

Tax Advantages

Legacy Benefits

To Your Family

Key Benefits That Preserve Your Life’s Work

The following advantages work together in PPLI to protect what you’ve worked hard to create:

Keep Your Trusted Team. Your investment advisor continues managing your assets exactly as they do today.

Maintain Your Investment Approach. You have full access to your existing choices, including stocks, bonds, ETFs, hedge funds, private equity, venture capital, private credit, managed futures, oil and gas, and REITs.

Ensure Transparent Pricing. PPLI has a clear fee structure and is institutionally priced. There are no hidden costs that undermine your returns.

Maximize Tax Efficiency. Your investments grow without current tax drag. Plus, you can access account value when needed without triggering taxes, and your family receives death benefits free from income tax implications.

Rely on Legal Precedent. PPLI is backed by over 160 years of established tax law.

Expand Your Investment Options. A new PPLI development lets your chosen investment advisor manage assets directly within the policy using your existing custodian. This expands access to nearly unlimited investment options while maintaining your longstanding advisor relationships.

Is PPLI Right for You?

PPLI might make sense for you if you seek income tax relief, more efficient estate planning, and investment flexibility while preserving your family’s legacy.

The advantage of PPLI comes down to this question:

Is the cost of the insurance less than the cost of taxes on your investment portfolio?

For families like yours, we typically find the answer is yes. When insurance costs run lower than your tax obligations, those savings compound over time. The longer that math works in your favor, the more meaningful the benefit becomes for preserving and transferring your life’s work.

Important Considerations

PPLI benefits from a long-term horizon and success depends on disciplined management, so structure matters. And, since not every investor benefits equally, careful planning is essential.

We'd rather discuss the realities upfront than oversell a strategy that might not fit your specific situation. Sophisticated strategies require sophisticated implementation, and we’re here to provide complete clarity about both the opportunities and the requirements.

Your Next Step

Every family’s story is unique. PPLI might fit your situation. Or it might not.

But it’s worth understanding how it could work within your broader wealth strategy.

We welcome a conversation about whether PPLI aligns with your goals. Our straightforward approach is to explore your strategy with complete transparency, working alongside your team to determine if it makes sense for your situation.