Tax-Efficient Investing
Alternative Investment Strategy
Private Placement Insurance (PPLI & PPVA)
Affluent families and investors use private placement annuity and life insurance investment accounts to defer alternative and traditional asset class investments from current taxation. These offerings are limited to only accredited investors and qualified purchasers.
Client Objectives
Simplify
Minimize administrative burdens to achieve tax deferral
Control
Remain in control of assets
Defer Taxes
Defer taxes on alternative and traditional asset classes
Product Features
Institutionally Priced
TRC Financial, through M Financial, provides clients with proprietary access to private placement annuity and life insurance contracts.
Tax Deferred Accumulation
Use the power of compounding to defer taxes on investment gains.
Maximum Flexibility
Make deposits, adjust the asset allocation among various investment options, and change the beneficiary designation at any time.
Product Costs
Generally, the incremental cost of the private placement annuity or life insurance investment account is substantially lower than the cost of income taxes otherwise payable on investment gains.
Tax Benefits
Wealthy individuals and families interested in tax-efficient investing are increasingly drawn to the benefits associated with Private Placement Variable Annuity (PPVA) and Private Placement Life Insurance (PPLI) investment accounts. The investment accounts within a private placement annuity and insurance contract enable investors to defer current tax on investment gains, and should therefore be thought of as simply a tax-deferred investment account. Investors can make deposits and take distributions from these accounts with the same flexibility as other investment accounts.
Download Overview
Fill out the form below to download
An exclusive and flexible opportunity for the affluent client. Learn more about how you can use private placement insurance products to grow and protect wealth.
PPLI and PPVA are exclusively available to Accredited Investors (net worth exceeding $1,000,000 or an annual income of over $200,000 for the last 2 years) and Qualified Purchasers (individuals with a minimum of $5,000,000 of investable assets).
Private Placement Life Insurance is an unregistered securities product and is not subject to the same regulatory requirements as registered variable products. As such, Private Placement Life Insurance (or Annuities) should only be presented to accredited investors or qualified purchasers as described by the Securities Act of 1933.