PPLI offers fully asset protected,. tax free, offshore investing and offshore banking. Investors do not want to buy proprietary mutual funds set up by the insurance carrier. Investors want their own money managers to select customized products. They want their insurance fund to offer flexibility in terms of choices.

PPLI customers iin the past have been extremely wealthy taxpayers. They wanted to place large amounts of money into tax advantageous offshore banking and investment vehicles. They wanted to keep assets in jurisdictions that offer creditor protection. They wanted their assets in currencies other than U.S. dollars.

Offshore insurers are free of U.S, and state regulators. They are not subject to the regulatory obstacles of U.S. and state laws. Because of this they can offer the same tax-free benefits as their domestic brethren for those with investment accounts starting at $1 million.

PPLI investors want tax and asset protection. They are interested in the exact opposite of the common insurance purchaser. They want the least insurance at the highest price. They are not interested in insurance. They are interested in policy cash value which grows absolutely tax free.

Premiums can be paid in kind. So, you can make a premium payment by contributing stock instead of paying cash, if necessary. .