What you receive

Estate Planning

Combined with existing planning structures like trusts, foundations and holding companies, a PPLI policy provides a powerful and flexible succession planning framework, one that works across borders and through generations.

Premium Life structures can be tailored to determine exactly how, when and to whom wealth is distributed and to manage complex family situations involving vulnerable heirs, families with non-conventional ties, or beneficiaries across different jurisdictions.

In the event of death, it provides the beneficiaries with a cash injection to bridge the gap until the estate is settled and/or to pay any applicable inheritance tax.
Asset Protection

Assets held within a Premium Life structure benefit from robust legal protections. Under Bahamian law, policy assets are insulated from creditor claims offering clients meaningful peace of mind in uncertain environments.

The assets in the insurance contract are protected from any creditor of the insurance carrier. Assets’ protection is achieved through the strict legal “segregation of funds” requirements established by the 2009 External Insurance Act.

Tax Efficiency

Unlike aggressive tax optimisation schemes, a Premium Life structure is an internationally-recognised, fully compliant framework that provides income and wealth tax deferral in most jurisdictions during the life of the policy. On distribution, proceeds to beneficiaries are typically tax-efficient or exempt.

Insurance-based wealth structures are actively endorsed by governments worldwide as a vehicle for long-term savings and intergenerational planning, offering clients a globally accepted and transparent framework.
Investment
Flexibility

Premium Life structures can accommodate a broad range of assets including listed securities, private equity, real estate, operating companies and alternative investments, providing genuine investment freedom within a single protected framework.

Investment flexibility is combined with estate planning and life cover options, all within a single regulated structure.

Simplify Reporting

By consolidating international assets within a Premium Life structure, clients can diversify across countries, asset classes and investment channels without the complex declaration requirements that often apply to directly held offshore investments.
Cross-Border Stability

Premium Life solutions can be designed and further adapted as clients and/or their beneficiaries move to another country, to meet the local requirements of the jurisdiction(s) involved.

Certain taxes that apply in some countries to financial assets held by residents relocating abroad are generally not applicable to assets held within a Premium Life structure, providing meaningful fiscal continuity through international transitions.