Private Placement Investing

Since 2006, our core focus has been providing customized private placement life insurance (PPLI) and variable annuity (PPVA) solutions for qualified affluent individuals and entities.*  PPLI is designed as a tax efficient investment, with the death benefit being secondary.  PPLI allows investors to defer and potentially eliminate the income tax on the most tax-inefficient assets in their portfolios, thus maximizing returns.*

Beyond the tax benefits, PPLI and PPVA offers sophisticated investors the following benefits:

  • Investment Flexibility: PPLI/PPVA investors have access to non-registered funds (i.e.: hedge funds and credit funds) and managers not available through traditional life products.  For larger investments, there is the ability to create a customized investment portfolio.
  • Flexible & Lower Charges: PPLI/PPVA charges and loads are fully disclosed and are generally lower than retail products, creating less drag on the owner’s returns.  Also, certain fees may be negotiable depending on premium commitment.
  • Institutional Pricing: PPLI/PPVA is institutionally priced, offering sophisticated investors better pricing than “off-the-shelf” retail products.  This creates a distinct advantage and can drive better investment returns over time.
  • No Surrender Charges: Unlike traditional life insurance and annuity products, PPLI & PPVA do not have surrender penalties.

PPLI and PPVA are complex investments that can be effective wealth-building vehicles.  There are a small number of firms nationwide that have the knowledge and technical expertise that CFG has in this space.  To learn more, please contact CFG to find out if PPLI or PPVA may make sense for your overall investment strategy.

*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.