Private Placement Life Insurance
One Structure. Three Outcomes.
Grow wealth Tax Free. Protect assets. Transfer legacy efficiently.
- Invest capital efficiently
- Improve long-term tax efficiency
- Pass wealth controlled
All without changing how you live or invest.
(Private consultation · By invitation only)
Wealth grows. Complexity Grows Faster.
Most wealthy families face the same issues:
- Rental income is taxed every year
- Investment gains are exposed to ongoing taxation
- Wealth transfer creates friction, delays, or leakage
- Multiple structures do not work together
You may already have
- Companies
- Properties
- Portfolios
- Foundations or Trust
But they are not operating as one system.
What PPLI Really Is
Think of PPLI as a Private
Investment Wrapper
Inside the PPLI
- ✓ Growth: Your investments grow in a tax-optimized environment.
- ✓ Compounding: Assets compound over time without annual leakage.
- ✓ Structure: Capital is held within a secure, long-term framework.
Outside the PPLI
- ✓ Governance: You retain full control over the structure.
- ✓ Choice: You choose the managers and investment strategies.
- ✓ Legacy: You define the beneficiaries and legacy rules.
“PPLI is not a retail product. It is a legal framework for sophisticated families.”
What You Can Place Inside
PPLI is flexible by design. It is not a rigid container, but a dynamic architecture built for complex wealth management.
“The structure adapts to your wealth — not the other way around.”
Investment Portfolios
Private Investments
Funds & Managed Strategies
Family-Office
Allocations
Why Families Use PPLI
Long-Term Tax Efficiency
Capital compounds with reduced annual friction, subject to residence‑specific treatment.
Asset-Protection Layering
PPLI can sit alongside foundations or trusts for maximum security.
Clean Wealth Transfer
Defined beneficiaries. Fewer surprises. Seamless transition of legacy.
One Structure, Multiple Goals
Investment. Protection. Succession. All under one efficient roof.
This is not about short‑term gains.
It is about how wealth behaves over decades.Example Scenario
Scenario: €2M Property Portfolio with reinvested income.
Without PPLI
- Income taxed annually
- Capital fragmented
- Assets pass directly to heirs (Probate issues)
With PPLI
- Income compounds inside the structure
- Assets are professionally governed
- Foundation/Heirs receive cleanly
Global Relevance
Does this work where I live?
PPLI is neutral by design. Tax treatment depends on where you live — not where the policy is issued.
Does it work everywhere? No. That is why Lepidus works case-by-case, analyzing residency, control, and time horizon.
Australia is strict. PPLI can be viable when investment control is correctly framed. It is typically aligned with long-term accumulation and governance to avoid tax triggers.
Depends on residency and domicile status. Often used alongside offshore structures with a clear separation between policy, assets, and personal control.
Canada is transparent and rule-driven. Structures can work when reporting and alignment are handled correctly. Focus is on clarity around control and governance.
Treatment is country-specific. Structures are adapted based on local rules and often integrated with foundations or holding entities.
Portability is a key advantage. The policy remains intact, while surrounding structures adjust. The structure travels better than the individual.
Who This Is For
(And Who It’s Not)
Suitable For
- ✓ High‑Net‑Worth Individuals: Individuals requiring advanced wealth structuring.
- ✓ Business Owners: Owners with excess capital looking for tax efficiency.
- ✓ Legacy-Focused Families: Families thinking one generation ahead.
Not Suitable For
- ✕ Short‑Term Investors: Those seeking quick gains or immediate liquidity.
- ✕ Smaller Portfolios: Where the structure's benefits don't outweigh costs.
- ✕ Product‑Driven Decisions: Those looking for a simple retail savings plan.
Does This Work Where I Live?
PPLI is not a country-specific product; it is a global legal structure aligned to your tax residence.
Focuses on control and access. PPLI is viable when investment control is correctly framed for long-term governance.
Depends on residency and domicile status. Design focuses on precision and avoiding unintended tax triggers.
Rule-driven and transparent. Works perfectly when reporting and alignment are handled with clarity.
Requires tailoring, not avoidance. Structures are adapted based on specific residence and family objectives.
A Private Conversation Comes First
PPLI is not sold. It is designed.
(Country-specific · Private · No obligation)