Private Placement Life Insurance (PPLI) has become a core tool for high‑net‑worth (HNW) families in the United States seeking tax‑efficient wealth transfer and asset protection. …
PPLI Policy Design: Minimum Premiums, Rider Options, and Liquidity Considerations
Private Placement Life Insurance (PPLI) has become a core solution for high-net-worth (HNW) U.S. families seeking tax-efficient wealth transfer, asset protection, and access to alternative …
Structure and Compliance: FATCA, CRS, and Reporting for Private Placement Life Insurance
Private Placement Life Insurance (PPLI) is a powerful estate-planning and tax-efficiency tool for high-net-worth (HNW) U.S. families. Because PPLI combines life insurance with bespoke investment …
Tax Treatment and Gift Considerations for Survivorship Policies in Wealth Transfer
Survivorship (second‑to‑die) life insurance is a cornerstone strategy in high‑net‑worth (HNW) estate planning because it can create large, tax‑efficient liquidity for estate taxes, fiduciary expenses, …
Survivorship Life Insurance Explained: Funding Estate Taxes and Preserving Family Wealth
Survivorship (second-to-die) life insurance is a core tool for high net worth (HNW) estate planning in the United States. For families in high-tax states like …
Designing Survivorship Policies for Large Estates: Coverage Amounts and Premium Strategies
High-net-worth (HNW) estate planning often relies on survivorship (second-to-die) life insurance to provide liquidity for estate taxes, equalize inheritances, and preserve family businesses. This article …
Liquidity Planning with Second-to-Die Coverage: Timing, Payouts, and Estate Settlement
Survivorship (second‑to‑die) life insurance is a cornerstone tool for high‑net‑worth (HNW) estate planning in the United States. For couples with large estates concentrated in illiquid …
How Survivorship Policies Work with ILITs and Trust Structures for HNW Estates
High-net-worth (HNW) families in the United States commonly use survivorship (second-to-die) life insurance in combination with irrevocable life insurance trusts (ILITs) and other trust structures …
Combining Survivorship Insurance with Charitable Strategies to Reduce Estate Tax
Estate planning for high net worth (HNW) families in the United States increasingly pairs survivorship (second‑to‑die) life insurance with charitable strategies to reduce estate tax …
Using Survivorship Policies to Fund Buy-Sell Agreements and Business Succession
Survivorship (second-to-die) life insurance is a powerful tool for high net worth (HNW) business owners who need liquidity for buy-sell agreements and orderly business succession. …