Private Placement Life Insurance (PPLI)
Wrap investments in a life insurance policy to grow assets tax-free and distribute proceeds income-tax free
How It Works
You establish a variable universal life insurance policy with a private placement carrier
Your assets are transferred into an Insurance Dedicated Fund (IDF) within the policy
Assets grow completely tax-free inside the policy wrapper—no capital gains, dividends, or income tax
Death benefit passes to heirs 100% income-tax free, or you can access value via tax-free policy loans
Key Benefits
Tax-Free Growth
Zero capital gains, income, or dividend taxes on investment returns
Tax-Free Distribution
Death benefit passes to heirs completely free of income tax
Liquidity Access
Borrow against policy value tax-free while maintaining growth
Who This Is For
Accredited investors with $3M+ seeking maximum tax deferral and willing to commit capital long-term. Ideal for high-income investors who've exhausted traditional retirement accounts.
By The Numbers
0%
Tax on Growth
$3M
Minimum Position
$50-100K
Setup Cost
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