Most advisors, family offices, or high net worth individuals associate life insurance with the features of retail whole life policies:  large broker sales commissions, opaque and rigid structures, high policy charges, and expensive investment management fees.  Understandably, these features lead to the avoidance of what is otherwise a valuable investment, tax, and estate planning tool.

PPLI eliminates the negative features commonly associated with retail whole life products, resulting in a highly attractive planning tool available to high net worth families and individuals.  This page provides an overview of tax considerations, structural basics, benefits, and other considerations relevant to PPLI: