Private Placement Life Insurance

PPLI policies are individually customized financial instruments that can be utilized as a tax strategy that transforms ordinary income and capital gains into tax-free income without any reporting requirements.   With a unique investment goal in mind, a client’s existing trusted financial advisor can continue to manage an investment strategy inside this structure and take advantage of the tax-exempt benefit.

PPLI policies are unregistered, variable life insurance and annuity policies that are only offered privately to accredited investors or qualified purchasers. The cash value of a policy is directly linked to the investment performance, and therefore not guaranteed.  As long as the structure satisfies the requirements of the U.S. tax code, the owner will not be taxed on the investment income inside the policy.