The PPLI Solution: Delivering Wealth Accumulation, Tax Efficiency, And Asset Protection Through Private Placement Life Insurance

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Private placement life insurance (PPLI) was once the exclusive domain of wealthy investors willing to tackle the logistical challenges of the offshore insurance market. The investment portfolio, tax, and estate-planning applications, and ongoing investment potential of these policies made the effort worthwhile. In recent years, though, a number of U.S.-based insurance companies have developed similar policies that meet all U.S. insurance, investment, and tax regulations. PPLI is becoming a fundamental component of effective tax, trust, and estate planning, but few sources have been available to detail the best practices—until now. The PPLI Solution can serve as a resource for effective execution. Written by leading practitioners, the book will position advisers to capitalize as PPLI expands further into the high-net-worth market and becomes available to individuals with an investable net worth as low as million. Few investors—whatever their net worth—will want to venture into

3 Responses to The PPLI Solution: Delivering Wealth Accumulation, Tax Efficiency, And Asset Protection Through Private Placement Life Insurance

  1. William R. Fowler says:
    4.0 out of 5 stars
    Four Stars, October 5, 2016
    By 
    John Donohue (Cohasset, MA USA) –

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    This review is from: The PPLI Solution: Delivering Wealth Accumulation, Tax Efficiency, And Asset Protection Through Private Placement Life Insurance (Hardcover)
    A derailed and incisive survey
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  2. S. Kirkland says:
    4 of 5 people found the following review helpful
    5.0 out of 5 stars
    The Bible of PPLI, a Must Read for the Superaffluent and Their Advisors, July 24, 2009
    By 
    William R. Fowler (Salt Lake City, UT, USA) –
    (REAL NAME)
      

    This review is from: The PPLI Solution: Delivering Wealth Accumulation, Tax Efficiency, And Asset Protection Through Private Placement Life Insurance (Hardcover)
    This book is very well-written and covers the subject in great detail. This book’s contributers are the best PPLI advisors in the nation and it shows.

    PPLI is one of the most exciting tax-savings and wealth accumulation tools for those whose net worth exceeds $5 million. If you are an advisor to superaffluent clients, or you’re superaffluent yourself, you MUST have this book. Conventional cash value life insurance grows income tax free, but is hindered by high sales commissions, loading and maintenance fees, and is somewhat restricted in the types of investments it may choose. PPLI can invest in a wide range of high-performing funds, including hedge funds, and best of all loading and maintenance fees are very low: usually 1-2% loading and 100 basis points (1%) or less annual maintenance fees. And it grows income tax free! A good estate planner can also usually place the policy outside one’s taxable estate i.e. no estate taxes.

    Insurance salesmen make much less money from a PPLI policy than they do from selling standard VUL policies, so do not be surprised if they don’t know about PPLI, pretend they don’t know about it when they do, or badmouth it. PPLI is thus often handled by high-end attorneys or other professionals who cater to the wealthy.

    And might I recommend a great companion to this book: Asset Protection in Financially Unsafe Times by Dr. Arnold Goldstein and W. Ryan Fowler. Tons of depth, case law analysis, and cutting edge asset protection and estate planning strategies.

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  3. Anonymous says:
    2 of 9 people found the following review helpful
    5.0 out of 5 stars
    Excellent reference manual for insurance professionals, July 1, 2005
    By 
    S. Kirkland (South Carolina) –
    (REAL NAME)
      

    This review is from: The PPLI Solution: Delivering Wealth Accumulation, Tax Efficiency, And Asset Protection Through Private Placement Life Insurance (Hardcover)
    Good reference book for insurance professionals who are serious about using life insurance to do all it is capable of doing!

    If you also want a book that is a quick read on this subject to give to prospects, consider my book, America’s Best Tax Strategies. It is available right here at Amazon.

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