Private placement life insurance (PPLI) is a variable universal life policy designed for ultra-high-net-worth investors, typically with a $5 million minimum. It wraps hedge fund and private equity investments inside a tax-advantaged life insurance structure, allowing tax-free growth and tax-free access through policy loans. You curate the investment options within IRS diversification rules, giving you more control than a standard policy. PPLI can be a strong fit if you already invest in aggressive strategies and want tax-free compounding over the long term. Because the structure is complex, a wealth advisor and insurance specialist can help you evaluate whether it aligns with your goals.
We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.
