Life Insurance for Estate Planning

Private Placement Life Insurance

PPLI is an offshore variable life insurance policy that holds a customised investment portfolio. Policy gains accumulate free of tax within the insurance wrapper and are paid as a tax free death benefit to the nominated beneficiaries.

Irrevocable Life Insurance Trusts

By placing a life insurance policy inside an irrevocable trust, the death benefit proceeds pass outside the taxable estate of the insured, providing significant inheritance tax savings for large estates subject to estate duty.

Wealth Preservation Wrappers

Offshore insurance bonds issued from Luxembourg, Liechtenstein, or the Isle of Man provide a flexible and compliant wrapper for holding diversified investment portfolios with deferred taxation on internal growth and switches.

Keyman Insurance

For businesses, keyman insurance policies taken on the lives of critical personnel provide the business with a lump sum on death or critical illness, enabling the business to continue operations without financial disruption.