Private Placement Life Insurance (PPLI)
What is PPLI?
A PPLI policy can be a highly effective solution for both privately held business owners and high net worth individuals/families seeking tax efficient cash accumulation.
PPLI is an elegant type of variable life insurance contract that leverages the tax advantages of traditional coverage and provides access to a wider array of investment options. If structured properly, funds may be allocated across a highly customized pool of investments. Surplus premiums (premiums paid in excess of death benefit costs) are added to the policy cash value, growing tax deferred. PPLI can serve as an excellent strategy for mitigating ongoing income taxes, acting as a tax efficient wrapper for assets that:
- Bespoke investment portfolio
- Tax deferred growth & tax free distributions (if structured properly)
- Institutional Pricing (typically < 100 bps per annum)
- Trades investment tax drag for costs of insurance
- No Surrender Charges
- Favorable Policy Lending Terms
PPLI Discovery Process
Step 1: The financial advisor and client collaborate to determine the client’s investment objectives, risk tolerance, as well as income tax & estate planning needs.
Step 2: A risk/return analysis is conducted. The financial advisor works with the client to create a customized policy that meets their specific investment goals and tax planning needs. It includes review of cost to set-up and administer.
Talk To An Expert:
PPLI in Action:
Centura's PPLI Experts:
Derek Myron, CFP®
Managing Director, CEO email@example.com
Get started today!
Don’t wait, take the first step towards financial freedom.
Director Insurance Solutions firstname.lastname@example.org
Disclosure: Centura Wealth Advisory is an SEC registered investment adviser located in San Diego, California. This brochure is limited to the dissemination of general information pertaining to Centura’s investment advisory services. Investing involves risk, including risk of loss. For additional information about Centura, please request our disclosure brochure as set forth on Form ADV using the contact information set forth herein, or refer to the Investment Adviser Public Disclosure website (www.adviserinfo.sec.gov). Please read the disclosure statement carefully before you engage our firm for advisory services.