Private Placement Life and Annuity

Private placement life and annuity products are custom-designed insurance products for wealthy investors. Policies usually carry a high death benefit and have a large amount of premiums going in, usually $1M or more annually.

Private placement products offer greater investment flexibility, fewer regulatory limitations, asset protection, and lower cost. That lower cost can allow the buyer to purchase more insurance for the same cost, the same amount for a lower cost, or help maximize cash value buildup by lowering costs and expenses inside the policy.

The principal benefits of a correctly structured private placement life insurance policy include the following :

• Tax-deferred investment growth
• Tax-free sale of investment assets
• Nearly unlimited array of investment options–public securities, hedge funds, private businesses, real estate, and other investments
• Tax-free access to cash value
• Income tax-free and estate tax-free payout at death

At EPIC, we have the expertise to help you choose the product that is appropriate for your particular needs and goals. Click on the Offshore Private Placement link for further information. Or Contact us for a consultation.