Is Private Placement Life Insurance Right for Your Portfolio?

Is Private Placement Life Insurance Right for Your Portfolio?25 sep32 min

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How does private placement life insurance work, and when does it beat a taxable account? David Valcourt, VP of Business Development at Financial Architects Partners and a life insurance broker with nearly 20 years in the private placement market, returns for part two with hosts Tad Fallows and Matt Shechtman.

In this conversation, David explains what PPLI is (a protection product whose engine is the investment inside it), walks through the math of trading a 5% annual tax bill on private credit and hedge funds for a smaller fee bill, and makes the case for what belongs inside a policy and what does not, starting with the S&P 500. He covers why so many whole life buyers end up disappointed, who the players are (broker, carrier, reinsurer, investment manager, and the insurance dedicated fund or separately managed account), why the IRS investor control doctrine means you cannot pick the holdings, what the insurance itself costs, what happens if a carrier fails and how a 1035 exchange works, and how borrowing against the policy really works, including why it is not free money.

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