Insurance strategies for high-value clients

How Private Placement Life Insurance (PPLI) lets the ultra-wealthy shift control of millions without selling, wiring, or triggering taxes and who’s enabling it behind the scenes. Most people think of life insurance as something you buy to protect your family. The ultra-wealthy, however, use a special form of it to protect their wealth. It’s called Private Placement Life Insurance (PPLI) and it’s one of the most powerful, discreet wealth structuring tools in existence. What Is PPLI? PPLI is a customized life insurance policy where the cash value is invested in assets like: • Equities • Hedge funds • Private equity • Real estate • Credit strategies These assets are held inside the policy, giving the owner tax deferral, asset protection, and the ability to shift control with a simple legal signature. Why Use PPLI 1. Tax Deferral: Gains compound inside the policy tax-free 2. Asset Protection: Creditors can’t access assets held in the policy 3. Privacy: Assets are owned by the policy, not the individual 4. Succession Planning: Control is passed on via beneficiary forms — no probate 5. Cross-Border Efficiency: Simplifies global estate planning and avoids inheritance delays How It Works 1. Structure: The client sets up a PPLI policy in an offshore jurisdiction like Bermuda, Luxembourg, or Singapore. 2. Fund: They transfer eligible assets (e.g., $20M of tech stocks) into the policy. 3. Control: The insurance company legally owns the assets, but the client controls investment decisions via a managed account. 4. Transfer: When the time comes, the policyholder assigns the policy or changes beneficiaries—no sale, no wire, no tax trigger. Who Offers This? Top PPLI Insurance Providers: • Lombard International Assurance • Crown Global Insurance (Bermuda) • Swiss Life Global Solutions • Sun Life Financial International • Transamerica Life (Bermuda) • Valorlife / Zurich International Life Private Banks That Facilitate PPLI: • UBS Global Wealth Management • Citi Private Bank • HSBC Private Banking • J.P. Morgan Private Bank • Julius Baer • BNP Paribas Wealth • Pictet They often act as: • Investment manager of the policy assets • Custodian of the investment accounts • Strategic advisor on the wrapper structure A Southeast Asian family office wraps $30M of global stocks into a PPLI held in Singapore. When the founder retires, they change the policy beneficiary to their children’s trust. The assets never leave the structure. No capital gains triggered. Control shifts with a single form. Private Placement Life Insurance - Not just to protect money, but to move it legally, quietly, and globally. #PPLI #WealthStructuring #PrivateBanking #FamilyOffice #TaxPlanning #OffshoreFinance #UHNW #EstatePlanning #AssetProtection #GlobalWealth

Unlocking Financial Potential: Why Savvy Business Owners Choose COLI and BOLI Are you a high net worth business owner looking to optimize your company's financial strategy? It's time to explore Corporate Owned Life Insurance (COLI) and Bank Owned Life Insurance (BOLI). Here's why these powerful tools are becoming essential components in sophisticated financial portfolios: 🏦 What are COLI and BOLI? COLI and BOLI are powerful life insurance policies purchased by corporations or banks on the lives of key employees. The company is both the owner and beneficiary of these policies. These policies are key assets in their portfolio and provide significant value to them in securing talent, retaining exceptional employees and growing their assets. 💼 Key Benefits for Business Owners: 1. Tax-Deferred Growth: Cash value grows tax-deferred, potentially providing significant long-term returns. 2. Tax-Free Death Benefit: When a key employee passes away, the company receives a tax-free death benefit. 3. Improved Financial Metrics: These policies can enhance the company's financial statements and ratios. 4. Executive Retention: Can be used as part of a comprehensive benefits package for key employees. 5. Funding for Buy-Sell Agreements: Provides liquidity for ownership transitions. 6. Creditor Protection: In many jurisdictions, the cash value may be protected from creditors. 🚀 Why High Net Worth Business Owners Are Buying In: 1. Diversification: Adds a stable, low-volatility asset to the company's portfolio. 2. Long-Term Planning: Aligns with long-term business continuity and succession strategies. 3. Wealth Transfer: Can be an efficient tool for transferring wealth to the next generation. 4. Key Person Protection: Mitigates the financial impact of losing crucial team members. 💡 Pro Tip: Consider combining COLI/BOLI with split-dollar arrangements to create win-win scenarios for both the company and key employees. Ready to elevate your business's financial strategy? Consult with qualified financial, legal, and tax advisors to see how COLI or BOLI might fit into your overall business plan. #BusinessStrategy #WealthManagement #FinancialPlanning #ExecutiveBenefits

We have been working on a lot of estate planning for UHNW clients lately How the conversation is framed makes all of the difference It's easy for clients to see Life Insurance as expense, because insurance typically is an expense Permanent Insurance is an Asset When looking at estate planning with Life Insurance you are really talking about repositioning a portion of the clients portfolio Just like clients reposition from equities to fixed income as they age UHNW clients should consider what permanent insurance means inside their portfolio This new asset allocation -Is a hedge against tax rate risk -Reduces timing risk -Can eliminate performance or renewal rate risk on the repositioned assets With the right products you can guarantee competitive IRRs at life expectancy You can create potential alpha over those guaranteed IRRs via corridor Premiums can be scary, especially when they are 6 and 7 figures Make sure you are framing the conversation properly