SOLUTIONS
What we provide
Tailor-Made
Premium Life structures are designed around the specific needs of the client and their jurisdiction. PPLI integrates seamlessly with other planning tools like trusts, foundations, holding companies to form a coherent, efficient whole.
Specific case-by-case analysis is advisable to achieve an optimal solution.
Business Model
Premium Life operates exclusively through a B2B model, working alongside private banks, family offices, wealth managers and independent advisers. Clients retain their existing adviser relationships entirely as we provide the structural layer to make those relationships more powerful.
Open Architecture
Our open-architecture model gives clients and their advisers complete freedom to choose their investment manager, custodian bank and asset strategy. The structure is tailored around their preferences.
The structure accommodates a wide range of assets including illiquid and private market holdings within a single, consolidated framework, enabling efficient portfolio management and long-term capital growth.
The open architecture efficiently integrates with existing planning structures like trusts, foundations and corporate entities to support the client’s circumstances and objectives over time.
Single Point of Contact
Premium Life’s group of associated business offers a single point of contact which enhances the client’s experience and facilitates wealth planning and management.
Modus Operandi
Policyholder
- Defines on the investment strategy.
- Requests appointment of the investment manager and custodian bank.
- Set the beneficiaries and allocate benefits.
- Set the life/lives assured.
- Has control over the policy.
Trusted Advisor
Advises and oversees. The client's existing adviser relationship is fully preserved within the structure.
Dedicated Wealth Structure
Premium Life
- Facilitates the framework to enable the solution.
- Issues and administers the policy.
- Provides client and/or trusted advisors with regular statements.
- Pays out policy proceeds as specified in the policy.
- Liaise with reinsurer.
Custodian Bank
- Holds and maintains the assets in specific separate portfolio account(s).
- Liaises with Asset Manager.
- Premium Life is the account holder.
Asset Manager
Manages the policy assets in accordance with the investment strategy defined by the policyholder
Policyholder
- Defines on the investment strategy.
- Requests appointment of the investment manager and custodian bank.
- Set the beneficiaries and allocate benefits.
- Set the life/lives assured.
- Has control over the policy.
Trusted Advisor
Advises and oversees. The client's existing adviser relationship is fully preserved within the structure.
Dedicated Wealth Structure
Premium Life
- Facilitates the framework to enable the solution.
- Issues and administers the policy.
- Provides client and/or trusted advisors with regular statements.
- Pays out policy proceeds as specified in the policy.
- Liaise with reinsurer.
Custodian Bank
- Holds and maintains the assets in specific separate portfolio account(s).
- Liaises with Asset Manager.
- Premium Life is the account holder.
Asset Manager
Manages the policy assets in accordance with the investment strategy defined by the policyholder