Securing your Legacy
for Generations

Private Placement Life Insurance (PPLI) is getting more attention from professional advisors and affluent families. Attorneys want to know when it fits into estate plans. CPAs want clarity on the tax mechanics. Wealth managers want to understand how it’s actually implemented. And nearly everyone asks the same underlying question: When does PPLI make sense and when should we walk away?
Since then, we’ve received more questions about PPLI than any other topic we’ve written about this year.

Attorneys want to know when it fits into estate plans. CPAs want clarity on the tax mechanics. Wealth managers want to understand how it’s actually implemented. And nearly everyone asks the same underlying question:

When does PPLI make sense and when should we walk away?
That’s changed.

For the past several years, families and business owners have been planning in a fog. Estate tax exemptions were uncertain. Interest rates were volatile. Tax legislation seemed to change with every news cycle. In that environment, postponing major planning decisions often made sense as you couldn’t plan confidently for a future you couldn’t predict.

That’s changed.

For many families and business owners, life insurance is something they know they should have, but often view as a task to complete. Just another item on the long list of financial responsibilities. But when you strip away the misconceptions and look at how insurance functions in sophisticated planning, a very different picture emerges.