Audience briefing
PPLI for RIAs
How RIAs evaluate PPLI for UHNW clients and coordinate the implementation team.
RIAs are often the first professional a UHNW client asks about PPLI — and the last professional they trust to actually build the structure. The RIA's job is usually to filter suitability, coordinate the tax, insurance, and trust team, and manage the ongoing IDF allocation once the policy is in force.
Why the fit comes up here
Existing tax-inefficient portfolio
Clients holding hedge funds, private credit, or trading-heavy strategies inside taxable accounts are the natural fit — those are the return streams whose annual tax drag PPLI can eliminate.
Multi-generational planning conversation already open
Clients thinking about ILITs, dynasty trusts, or estate liquidity are already primed for a wrapper conversation.
Independent, non-commissioned posture
RIAs can review PPLI on cost, structure, and fit rather than distribution economics — the review UHNW clients actually want.
Key considerations
- PPLI is a private securities offering — coordinate with tax counsel and insurance counsel before any recommendation.
- Suitability starts with Accredited Investor + Qualified Purchaser qualification and meaningful premium capacity.
- IDF selection matters more than carrier marketing suggests — the manager's §817(h) discipline is the risk that matters.
- Ongoing service is real work: annual diversification testing, statement review, trust coordination.
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.