Private Placement Life Insurance (PPLI)
We help ultra-affluent families and their advisors evaluate, structure, and implement PPLI strategies that deliver tax efficiency, investment flexibility, and estate planning advantages while keeping control over assets and outcomes.
When PPLI Makes Sense
Large taxable portfolios lose momentum to ongoing taxes. PPLI changes the math by pairing institutional life insurance with professional investment management. Growth compounds tax deferred, access remains flexible, and the death benefit is tax free.
This strategy fits investors who have significant investable assets, want long-term tax deferral, prefer manager choice through SMAs or insurance dedicated funds, and need a structure that integrates with trusts and family entities. We confirm fit against objectives, liquidity needs, and estate plans before you proceed.
How We Help Clients Navigate PPLI
WealthPoint designs and manages the full PPLI lifecycle with your tax, legal, and investment advisors at the table.
Our work typically includes:
Feasibility and Design
Quantify the tax problem, model projected outcomes, and set clear success criteria.
Structure and Carrier Selection
Align policy type, carrier, and jurisdiction with goals, premium schedule, and ownership design.
Investment Architecture
Coordinate SMA or IDF solutions so your chosen managers can invest within policy rules.
Implementation and Oversight
Run underwriting, funding, documentation, and ongoing policy performance reviews.
What Well-Structured PPLI Delivers
The right PPLI structure can transform a taxable portfolio into a long-term compounding engine. Clients gain efficiency, freedom,
and control without sacrificing access or compliance.
You can expect:
Tax Efficiency
Replace ongoing tax drag with known insurance costs inside a compliant life insurance chassis.
Investment Freedom
Use institutional strategies through SMAs and IDFs with an approved investment policy statement.
Liquidity and Access
Use withdrawals to basis and policy loans for tax-favored access while assets continue compounding.
Estate Planning Integration
Pair with trusts to reduce estate exposure and improve after-tax wealth transfer.
Durable Structure
Build a long-term plan that adapts to regulation, markets, and family objectives.
See the Power of PPLI in Practice
Even seasoned investors underestimate how much PPLI can change long-term outcomes. Our PPLI Deep Dive video series simplifies the math and explains how this strategy solves the tax problem with transparency and control.
Our Process for a Smooth Implementation
Successful implementation starts with education and ends with precision. Our process builds confidence by showing how every decision connects — from feasibility through long-term oversight.
1. Feasibility and Education
Confirm fit based on portfolio profile, tax exposure, and objectives. Explain rules such as investor control and diversification.
2. Structure and Design
Select carrier and policy design, draft the investment policy statement, and map SMA or IDF access.
3. Implementation and Funding
Complete medical underwriting with concierge support, fund premiums in cash, and finalize documents.
4. Ongoing Oversight
Monitor performance, policy health, and compliance. Coordinate with advisors on reporting and any strategy changes.
Start the Conversation
Whether you are an advisor evaluating options or a family ready to explore PPLI, our team will help you understand what is possible and what matters most. Every conversation is confidential and centered on your objectives.
What You’ll Walk Away With
A well-run PPLI engagement produces visible results, not abstract advice. Every deliverable is designed to clarify, document, and maintain alignment between all advisors.
Typical deliverables include:
Feasibility Analysis
Quantifies projected tax savings and long-term outcomes.
Policy Blueprint
Covers carrier selection, ownership structure, and jurisdiction.
Investment Policy Statement
Aligned to SMA or IDF choices and diversification rules.
Funding and Compliance Pack
Includes premium schedule, AML, and KYC documentation.
Policy Reporting
Regular reviews of performance costs, loans and withdrawals, and recommendations.
Governance and Reporting Templates
Establishes the first-year framework for board, committee, and plan oversight.
Learn More About Similar Strategies
PPLI rarely stands alone. It works best as part of a coordinated wealth plan that connects liquidity, protection, and
transfer strategies into one integrated framework.
Wealth Transfer Planning
Coordinate trusts, ownership, and liquidity across generations.
Life Insurance Policy Review
Assess existing coverage, costs, and structure against current goals.
Private Placement Variable Annuity (PPVA)
Use an annuity chassis for income-oriented strategies where life insurance is not a fit.
Succession and Estate Planning
Integrate business interests, trusts, and personal wealth to reduce tax exposure and preserve control.
What Clients Say About Our Work
Clients trust WealthPoint because we make complex strategies practical. Each engagement blends technical mastery
with disciplined follow-through and respect for client priorities.
“I’ve had the pleasure of working with Ben Rainey for many years and his command of strategy, structure, and implementation within the private placement insurance marketplace is top tier. Ben brings a rare combination of technical depth, responsiveness, and real-world practicality while collaborating seamlessly with high net worth clients, advisors and carriers has been of tremendous value to my firm and our partners.”
Ken Foley
Chief Executive Officer, Spearhead Administrative Services
$7.5B+
in total death benefit placed
20
billionaire families served
23
credentialed professionals
8 partners
with 185 years of combined experience
We collaborate with leading carriers, fund managers, and legal advisors to ensure every structure remains compliant and effective.
PPLI Education and Insights
True understanding builds trust. Our educational resources break down PPLI’s math, mechanics,
and long-term advantages so you can see its power before acting.
Talk to a PPLI Advisor
Whether you are an advisor evaluating options or a family ready to explore PPLI, our team will help you understand what is possible and what matters most. Every conversation is confidential and centered on your objectives.
