Private Placement Life Insurance (PPLI)

A tax-efficient wrapper for tax-inefficient investments.

PPLI, Private Placement Life Insurance, is a type of life insurance policy that leverages the tax advantages of permanent life insurance while allowing high-net-worth individuals to invest in alternative assets that throw off significant capital gains and income. PPLI combines the benefits of an investment account with the tax advantages and wealth transfer opportunities of traditional life insurance.

With a PPLI policy, investors can optimize their tax position by taking advantage of tax-free investment growth, tax-free withdrawals, and tax-free death benefits by:

  • Utilizing Shelf Platform Funds (fixed menu of VITs & IDFs already available)
  • Creating an Insurance Dedicated Fund - IDF
  • Opening an SMA, Separately Managed Account

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