Audience briefing
PPLI for CPAs
A framework for CPAs reviewing PPLI fit for UHNW clients.
CPAs are often the first professional asked whether PPLI makes sense for a UHNW client. The questions to ask are usually about the client's existing tax posture — how tax-inefficient the portfolio actually is, what's already in trust, and what the practical premium capacity looks like — before any conversation about carriers or IDFs.
Why the fit comes up here
Visibility into tax-inefficient income
CPAs see the actual K-1s and 1099s. They know precisely which strategies are producing ordinary income and short-term gains — the return streams PPLI can most effectively shelter.
Trusted role in the professional team
CPAs typically convene or coordinate the tax counsel, insurance counsel, and RIA needed to design and implement PPLI.
Long-horizon planning posture
The families for whom PPLI works are already thinking in decade-plus horizons on the taxable book.
Key considerations
- PPLI is a private securities offering — the recommendation belongs to tax and insurance counsel, not the CPA alone.
- Suitability requires both Accredited Investor and Qualified Purchaser status, plus meaningful premium capacity.
- Onshore vs offshore carrier choice interacts with the client's return positions in ways worth thinking through early.
- Ongoing annual reporting and trust coordination should be scoped up front.
Availability, tax treatment, and policy design depend on jurisdiction, carrier, investor qualification, and applicable law. simpleppli.com provides general educational information only — not tax, legal, insurance, or investment advice. Consult qualified tax counsel, insurance counsel, and licensed insurance professionals before implementing any PPLI structure.
Next step
See whether PPLI fits your structure.
Request an analysis with a PPLI-experienced advisor to model policy design, carrier selection, and investment fit for your family office or clients.
Availability, tax treatment, and policy design depend on jurisdiction, carrier, investor qualification, and applicable law. simpleppli.com provides general educational information only — not tax, legal, insurance, or investment advice. Consult qualified tax counsel, insurance counsel, and licensed insurance professionals before implementing any PPLI structure.