PPLI, or Private Placement Life Insurance, is a unique type of life insurance intended for high-net-worth individuals. It provides tax-efficient wealth management and estate planning solutions. This flexible and customizable life insurance policy allows for investments to be made within the policy itself, enabling tax-deferred growth and potential tax savings.
Dual Benefits:
Combines life insurance coverage with a cash value component that grows through investments.
Flexible Investment Options:
Unlike conventional VUL policies with limited choices, PPLI offers access to a broad range of investment opportunities, including:
High Coverage Limits:
Offers greater flexibility in tailoring death benefit protection levels to meet the needs of high-net-worth families, beyond the limitations of standard insurance policies.
Tax Sheltering & Protection:
Can shelter assets from IHT and other taxes
PPLI insurance is uniquely suited for high-net-worth individuals who require a balance of appropriate coverage or death benefit and investment flexibility. Unlike traditional policies, the availability of benefits under PPLI depends on the policy's investment performance, offering growth potential alongside protection.
This makes PPLI an ideal choice for clients who are insurable, require a substantial amount of life insurance protection, and value the ability to customize policy investments to align with their long-term financial goals. Typical PPLI purchasers are sophisticated investors who prioritize wealth preservation, tax efficiency, and tailored estate planning solutions.
Like any term or whole life policy, PPLI offers a death benefit for your loved ones. But for high-net-worth families, Private Placement Life Insurance Policies offers some unique benefits.
| Benefit | How it helps you | |
| Tax Efficiency | Investments grow without capital gains exposure, the death benefit is tax-free | |
| Estate Tax Mitigation | Assets pass to beneficiaries outside of your estate | |
| Asset Protection | Shield from lawsuits and creditors | |
| Investment Flexibility | Choose from all traditional and alternative asset classes. | |
| Confidentiality | Keep holdings discreet and private |
John, a high-net-worth individual who resides in Hong Kong, sought to transfer wealth to the next generation while minimizing UK inheritance tax liabilities on his UK property portfolio, valued at £4 Million. Soteria Trusts implemented a bespoke strategy using a Private Placement Life Insurance (PPLI) policy, bringing about tax efficiency and long-term financial security for his beneficiaries.
The client faced heavy exposure to UK inheritance tax and sought a secure way to transfer assets without compromising control or financial flexibility.
John’s UK IHT bill today: £1,574,000.
Soteria Trusts recommended a strategy incorporating a PPLI policy. Key steps included:
£1,574,000 in Tax Savings through exclusion of UK property assets from UK Inheritance Tax.
Soteria Trusts specialise in bespoke estate planning solutions for those with UK assets residing anywhere in the world. We focus on creating secure, enduring strategies to preserve wealth and protect family legacies. We are international wealth architects, collaborating with clients, trustees, financial advisers and family offices to design tailored structures that are built to stand the test of time.
Contact us today to secure your family’s legacy and minimise your tax exposure through sophisticated and bespoke planning.
Schedule your discovery call today — it’s completely confidential and no-obligation.
Soteria Trusts is a brand of Platinum Financial Services Limited, a Hong Kong Authorised Insurance Broker. None of this information constitutes investment or tax advice, nor a solicitation for investment in any type of instrument, security or collective investment as defined in the Securities and Futures Ordinance (SFO) of Hong Kong.
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