Usually, clients buy private placement life insurance more as an investment vehicle than because they actually want life insurance. But unfavorable rulings and regulations have detracted from PPLI's allure as an investment. Moreover, because high-net-worth individuals often don't need to access the money in their policies for a long time, if ever, those policies become part of their estates.1 For wealthy clients, therefore, all insurance, including PPLI, should be evaluated from an ...

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