Tax Playbook · Investment tax wins
Private placement life insurance
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Very rich investors can put investments like hedge funds inside a custom life insurance policy. The money inside grows without yearly taxes, and heirs can get it tax-free at death. But fees can run 2% to 4% a year at first, only accredited investors with millions can buy in, and setup needs specialist advisors — if your portfolio is regular-sized, this is not for you.
Good for: Very wealthy investors with millions to commit and complex tax problems.
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Recent articles & guides
- Long Angle: PPLI Pros and Cons — Who Should Skip It (2026)
- First Western Trust: Turning a Business Exit into a Family Legacy with PPLI (Oct 2025)
- WealthPoint: Private Placement Life Insurance Basics
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Educational summary, not tax advice. Limits and rules change — confirm current law with your tax adviser.