Private Placement Life Insurance

A goal without a plan is just a wish…

What is Private Placement Life Insurance (PPLI)?

PPLI is life insurance with a value linked to the performance of the chosen assets within an open-architecture life assurance policy. It is a globally recognised legal structure that offers a wide range of investment opportunities and flexibility to help grow and preserve the value of the policy, in a tax-efficient way, for current and future generations.

The objective of structuring wealth is to:

  • Grow it
  • Preserve it
  • Spend it when needed
  • And transfer it to the next generation in a controlled, tax-efficient manner.

Contact: clientservices@veritasguernsey.com

Literature

PPLI –
Brochure

PPLI –
Key Information

PPLI –
Why PPLI

PPLI –
Lite

Key Features

Main Points

  • Tailored design for UHNW clients and complex wealth structures.

  • Ability, subject to review, to include a broader universe of eligible assets than the Lite solution.

  • Policy issued from a Guernsey‑ regulated PCC platform, with:
    – Cell‑level segregation of assets and liabilities.
    – 100% of policyholder assets held in an independent trust.
    – Professional custodians for cash and investment holdings.

  • Open‑architecture framework: can work with private banks, multi‑family offices, and external asset managers.

Possible Asset Types

  • Liquid assets: listed securities, bonds, funds, structured products.

  • Alternative strategies: hedge funds, private market funds, other collective vehicles.

  • Selected non‑liquid assets: interests in private companies, partnerships, or other real‑world assets, where permitted and appropriately structured.

All assets are subject to detailed legal, regulatory, and operational due diligence before being accepted into the policy.

Who is it for?

  • Ultra‑high‑net‑worth individuals and families.

  • Clients with multi‑jurisdictional holdings or complex asset structures.

  • Entrepreneurs and family business owners seeking long‑term holding or succession solutions.

  • Clients working with specialist tax, legal, and family office advisers.

How it may be used

  • As a long‑term holding structure for a diversified portfolio of liquid and alternative investments.

  • As part of a broader wealth plan to simplify administration for global families.

  • To create a single, policy‑based structure through which external managers can implement agreed strategies.

General Considerations & Risk Warnings

  • PPLI is a sophisticated solution and will not be suitable for all clients.

  • The policy’s value will fluctuate with the underlying investments; clients may not get back the amount invested.

  • Liquidity, valuation, and operational risks may be higher where alternative or non‑liquid assets are included.

  • Tax and regulatory treatment depend on the client’s jurisdiction(s) and may change over time.

Important: This summary is for information only. It does not replace detailed advice from qualified tax, legal, or financial professionals. Any decision to use a PPLI or similar structure should be taken only after obtaining independent professional advice.

Contact us for more information at clientservices@veritasguernsey.com