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Understanding Wrap Fees vs COI in PPLI
When evaluating the economics of a Private Placement Life Insurance (PPLI) policy, two charges are frequently confused:👉 Wrap Fees and 👉 Cost of Insurance (COI)Although both reduce overall returns, they serve very different purposes and impact policy performance in different ways.⚖️ 1️⃣ What Is a Wrap Fee?A wrap fee is a comprehensive investment-management fee that typically covers:• Investment management • Portfolio administration • Custody services • Advisory services • Reporting and account maintenance📊 How Is It Calculated?Wrap fees are generally charged as:👉 A percentage of assets under…
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