Securing your Legacy
for Generations

The executive benefits conversation usually starts in the wrong place. It starts with products: someone proposes a deferred compensation plan, or a life insurance arrangement, or a cash balance structure. What rarely happens first is the more fundamental question: what are we actually trying to accomplish, for whom, and over what time horizon?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.

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.