Audience
Who PPLI is for.
PPLI is a structural tool with a narrow-but-real fit. The economics only work for a specific investor profile and a coordinated professional team.
UHNW individuals
Individuals holding tax-inefficient strategies — hedge funds, private credit, actively traded portfolios — over long horizons, typically with $10M+ in investable assets and existing trust architecture.
Single-family offices
SFOs with concentrated alternatives allocation, coordinated tax and estate counsel, and existing trust vehicles are the natural home for PPLI.
Multi-family offices & RIAs
MFOs and independent RIAs evaluating PPLI as part of a client's broader tax and estate architecture, and coordinating the implementation team.
Tax attorneys
Counsel reviewing structural fit under §7702, §817(h), and the investor-control doctrine, and drafting the ownership and trust architecture around the policy.
CPAs
CPAs with visibility into the client's actual tax posture — which strategies produce ordinary income, which sit in trust, and where PPLI would materially move after-tax outcomes.
Trust officers
Trust officers serving as owner and beneficiary of PPLI policies inside ILITs, dynasty trusts, and offshore structures.
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.