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.

Online Analysis

Evaluate the benefits, costs, and potential tax advantages of private placement insurance.

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.

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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.