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Time to take a second look at private placement?

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Private Placement Life Insurance (PPLI) has garnered a lot of attention lately, and for good reason. Considering the ever-changing landscape of taxes, investments, and estate planning opportunities, PPLI can be a multi-purpose planning solution for many Ultra High Net Worth (UHNW) families.

There are three factors that make it more attractive today than ever before:

  • The likely prospect of increased tax rates in the future
  • Improved investment flexibility and optionality within PPLI policies
  • Updates to IRC Section 7702 and more competition in the PPLI space

What is Private Placement Life Insurance?

PPLI is a type of life insurance policy that is designed for wealthy individuals who are looking for a way to protect and grow their assets while maintaining access to alternative or custom-tailored investment strategies. PPLI is typically built on a variable life insurance chassis, which means that the policyholder can invest policy cash value in a range of investment options, for example, stocks, bonds, and alternative investments like hedge funds and private equity funds.

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