Business Planning

Although a number of domestic carriers offer private placement life insurance policies and annuities, many private placement products originate overseas.

U.S. securities law and state insurance laws allow U.S. persons to purchase foreign insurance policies, but potentially can penalize foreign companies that actively market and sell insurance policies to U.S. persons. Therefore, offshore policies typically are purchased using foreign trusts or foreign companies, a structure that has the added advantage of providing additional asset protection.

The insurance companies that offer private placement variable life insurance policies allow the policy owner to name one or more U.S. or foreign investment advisers to manage the policy’s separate account, which allows investment in :

	U.S. and foreign publicly traded equities and bonds
	U.S. and foreign government debt instruments
	U.S. and foreign hedge funds
	U.S. and foreign venture capital funds
	U.S. and foreign privately traded securities
	Partnership and LLC interests
	Real estate
	Patents and trademarks

At EPIC, we have the experience to help you choose and design an appropriate offshore private placement product as well as the expertise to manage its portfolio of investments. Contact us for more information or a consultation.