Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Ultra-Wealthy Families Use Private Placement Life Insurance
In this episode of The High Net Worth Podcast, Lucas and Luna explore private placement life insurance (PPLI), a tax-efficient investment vehicle used by ultra-wealthy families to defer taxes on alternative assets. They break down how PPLI works, comparing it to a variable universal life policy on steroids, and discuss the minimum investment of $1-2 million, typical fee structures, and the types of assets held inside. Lucas explains the two-step tax arbitrage: tax-deferred growth inside the policy and income-tax-free death benefits. The hosts also cover the downsides, including high fees…
The skinny
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