Pricing
Transparent PPLI pricing. $50,000 minimum.
Low minimums and minimal institutional fees. Every charge disclosed up front. No surrender charges, no commissions, no trailing loads — just the charges detailed below.
Fee schedule
Low fees across four premium tiers
Estimates for a standard non-MEC PPLI design. Final numbers depend on state of issue, carrier, insured, and policy design.
| Annual premium → | $50,000 annual premium | Most common $100,000 annual premium | $200,000 annual premium | $500,000+ annual premium |
|---|---|---|---|---|
Upfront design & placement One-time. Structuring, carrier selection, IMA/IDF setup, delivery. | $2,500 one-time | $3,500 one-time | $5,000 one-time | Custom ($7.5k–$15k) |
Premium tax charge State pass-through, deducted from premium at issue. | ~1.5% (~$750) | ~1.5% (~$1,500) | ~1.5% (~$3,000) | ~1.5% (~$7,500+) |
Annual policy administration Flat annual fee. Recordkeeping, statements, compliance, servicing. | $1,200 / yr | $1,500 / yr | $2,000 / yr | $2,500 / yr |
Annual advisory RIA / consultant fee inside the policy. Tiered by cash value. | 0.50% of cash value | 0.45% of cash value | 0.35% of cash value | 0.25% of cash value |
Carrier mortality & expense Carrier charge for insurance risk and policy expenses. | ~0.50% | ~0.45% | ~0.35% | ~0.25% |
Loan interest rate Rate charged on policy loans against cash value. | 2% | 2% | 1% | 1% |
- • Premium tax varies by state of issue (0–3.5%); 1.5% shown as a blended U.S. estimate.
- • M&E and cost-of-insurance depend on insured age, health, and death-benefit design.
- • Advisory is the RIA/consultant fee inside the policy; excludes underlying fund expenses.
- • No surrender charges. No commissions. No trailing loads.
What each fee covers
Where every dollar goes
Each charge is paid to a distinct party — carrier, state, TPA, or advisor. Nothing is bundled or hidden.
Design & placement
Paid once at issue. Covers structuring, jurisdiction and carrier selection, IMA/IDF documentation, underwriting coordination, and policy delivery.
Premium tax
Pass-through to the state of issue. Deducted from premium before it hits the policy. Typical range 0–3.5%; ~1.5% is a blended U.S. estimate.
Policy administration
Flat annual fee paid to the third-party administrator for recordkeeping, statements, tax reporting, and ongoing compliance — not a percentage of assets.
Advisory
The RIA or consulting fee assessed against cash value inside the policy. Excludes underlying fund expenses. Breakpoints reward larger policies.
Carrier M&E
Mortality-and-expense risk charge paid to the carrier. Varies with insured age, health, and death-benefit design; ranges assume a standard non-MEC VUL chassis.
Loan interest
Interest rate charged on policy loans taken against cash value. Lower rates apply at higher premium tiers, giving larger policies more efficient access to tax-free liquidity.
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.
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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.