Leverage our expertise in Private Placement Life Insurance to protect your wealth and maintain privacy. Our advisors simplify integrating PPLI into your estate planning strategy, ensuring a seamless alignment with your financial goals.

Understanding Private Placement Life Insurance

Private Placement Life Insurance (PPLI) differentiates itself in the life insurance market by incorporating investment portfolios directly into the insurance structure. These unit-linked policies tie the payout to the performance of the investments within the policy. Preferred by family offices for crafting sophisticated investment strategies, PPLI is designed with a focus on investment growth, offering a minimal death benefit compared to the extensive coverage provided by Universal Life Insurance (ULI).

Before PPLI: Investable assets are held in an investment portfolio with a private bank, where returns are taxed annually. These assets are part of your estate and are inherited according to inheritance laws.

After PPLI: Upon taking out a PPLI policy and transferring your investment portfolio (or paying the premium in cash) to the insurance company, you become a policyholder. The insurance company then opens a dedicated account at a private bank for your policy's underlying assets.

Investment Management: In collaboration with your investment manager, you choose an investment strategy aligned with your risk profile, managed by the bank or alternatively, the multi-family office as your asset manager. However, you become entitled only to the performance of these investments as a beneficiary, as the insurance company owns the legal title to the assets.

Tax Advantages: The investable assets are no longer considered personal assets after transfer to the PPLI, meaning income tax on the proceeds is deferred. Many countries, particularly in Europe, offer tax benefits for PPLI, such as wealth tax exemptions and lower income tax rates on payouts.

Enhanced Asset Protection with PPLI

Private Placement Life Insurance (PPLI) provides a robust structure for asset protection. Set up in compliance with tax laws, it ensures that your investable assets are completely segregated from other assets, offering an additional layer of security and privacy.

Beyond Investment Portfolios: PPLI's Versatility

PPLI extends its utility beyond traditional investment portfolios. It can encompass assets like real estate and operational companies, reflecting its adaptability as a wealth management tool across multiple jurisdictions, with the security of Swiss private banking.

Tailored Wealth Management Support by PFIS Group

PFIS Group dedicates itself to crafting personalized family office solutions. They stand ready to discuss and navigate the intricacies of wealth planning, catering to the unique challenges of affluent clients.