Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Wealthy Families Use Private Placement Life Insurance
Episode 124 of The High Net Worth Podcast explores private placement life insurance (PPLI), a sophisticated strategy ultra-wealthy families use to combine tax-deferred growth with asset protection. Lucas and Luna break down how PPLI works, why it's gaining traction among families with $10 million-plus in liquid assets, and the key trade-offs—including high fees, complexity, and insurance company credit risk. They discuss a real-world case: a family office using a PPLI policy to hold a concentrated private equity stake tax-efficiently. The episode also covers minimum premiums, typical…
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