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Private Placement Life Insurance

Maximizing Wealth and Security - A Comprehensive Wealth Management Solution for
High Net Worth Individuals and Families.

This Wealth Solution is brought to you by
Dr. Sanjay Tolani Team

Your Trusted PPLI Advisory Team

Dr. Sanjay Tolani: Inter-Generational Planner & Philanthropist
Financial Structure Innovator

Dr. Sanjay Tolani: Inter-Generational Planner & Philanthropist
Financial Structure Innovator

This Wealth Solution is brought to you by
Dr. Sanjay Tolani Team

Your Trusted PPLI Advisory Team

Welcome!

PPLI is a type of financial structure that can help you grow, preserve, spend, and transfer your wealth in a controlled and tax-efficient manner. It offers a wide range of investment opportunities and flexibility, and is recognized globally as a Inter-Generational legal structure.

The Tolani Flow® PPLI team, has for many years been helping HNW families with financial structure planning as we can guide you through the process and help you make the best choices for your inheritance and multiple generational planning needs .

Welcome!

PPLI is a type of financial structure that can help you grow, preserve, spend, and transfer your wealth in a controlled and tax-efficient manner. It offers a wide range of investment opportunities and flexibility, and is recognized globally as a Inter-Generational legal structure.

The Tolani Flow® PPLI team, has for many years been helping HNW families with financial structure planning as we can guide you through the process and help you make the best choices for your inheritance and multiple generational planning needs .

The Basic Concept Of PPLI

Private Placement Life Insurance (PPLI) is a structure that allows high net worth individuals and families to invest their premium in cash or kind, which through an insurance company can then be invested into an asset or fund of their choice based on the family's investment mandate.

Who Is PPLI For?

Who Is PPLI For?

Family Office

Family offices often have complex needs when it comes to wealth management and estate planning. PPLI can offer them the flexibility and customization they require, as well as potential tax benefits and privacy.

Corporations and large shareholders

Clients may use PPLI as a tool to manage and transfer corporate assets or to provide executive compensation packages. They may also benefit from potential tax advantages and asset protection.

Individuals/Families with assets in multiple countries who want to consolidate their holdings

Holding assets across multiple jurisdictions can be challenging and costly. PPLI can offer a way to consolidate and simplify the management of these assets in a tax-efficient manner.

Families interested in intergenerational wealth planning

Many families after several generations start to divide assets which reduces the value and power of investing capabilities, to ensure this power is held for multiple generations a PPLI structure might be suitable for such forward looking families.

Families seeking consolidation and an alternative to trusts

For clients who prefer not to use trusts, PPLI can be an attractive alternative. PPLI structure offers many of the benefits of trusts, such as asset protection and tax efficiency, while avoiding some of the drawbacks, such as loss of control and increased complexity.

Why PPLI For HNW Families?

Why PPLI For HNW Families?

PPLI offers a range of benefits for high net worth individuals, including facilitating succession planning, optimizing tax efficiency, and providing protection for assets.

Wealth Distribution

Facilitates succession planning: PPLI can be used to pass on assets to beneficiaries through confidential nominations or trusts, helping to avoid family disputes and forced heirship rules in certain countries.

Avoids probate: By using a beneficiary nomination or placing the PPLI policy in trust, the policy's benefits can be swiftly passed on to beneficiaries without delay, bypassing the probate process.

Wealth Accumulation

Offers diversification: PPLI provides access to a variety of assets to meet the different needs, investment objectives, and risk profiles of HNW families.

Reduces complexity: PPLI allows individuals to transfer existing assets into the policy as "premium in kind," consolidating them in one place and simplifying management.

Provides liquidity: PPLI allows families to access their money through partial withdrawals or loans, if needed.

Wealth Protection

Optimizes tax efficiency: PPLI allows individuals to consolidate and change the ownership and title of underlying assets in a tax-efficient way, by reducing tax obligations on asset growth and income.

Provides extra protection: PPLI can provide protection for assets through the use of the Tolani Flow® structure, helping to shield them from fraudulent takeovers.

Why a Tolani Flow® PPLI?

Why a Tolani Flow® PPLI?

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Confidentiality

PPLI policies are typically offered through private placement, which means that they are not publicly traded. This can provide an additional level of confidentiality for policyholders, which can be useful for families who are concerned about maintaining privacy in their estate planning.

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Professional Management

PPLI policies may offer the opportunity for professional asset management, which can be particularly useful for families who do not have the time or expertise to manage their assets on their own and would like to appoint multiple discretionary fund managers.

Inheritance Planning

PPLI can be used as a way to pass on wealth to future generations and for succession planning. The policyholder specifies beneficiaries to receive the policy proceeds in a tax efficient manner which allows future generations to reduce potential tax liabilities.

How Does Tolani Flow® PPLI Work?

How Does Tolani Flow® PPLI Work?

Persons Involved

  • Policy holder: The policy holder (s) are the owner(s) of the contract and control the policy. They have the right to select the investment strategy, appoint the beneficiaries, surrender the policy and make changes to the policy. Policy holder can be a private individual(s), a company or legal structure like a trust or foundation.
  • Insured Person: The term of the policy is linked to this person's life. When the insured person dies, the contract normally comes to an end. The insured person must by definition be a private individual. It is possible to have two or multiple insured persons in a contract (joint-insured).
  • Beneficiary/ies: They receive the payout at death of the insured person(s). The beficiary/ies can be one or several private individuals, but also, a company or a legal structure like a trust or foundation.
  • Arbiter: Is a third party (private individual or company) who is given specific rights. Typically, an attorney or a trustee or an advisor who could act as the arbiter in a policy.

Transferring Assets to a Tolani Flow® PPLI

Transferring Assets to a Tolani Flow® PPLI

Private Placement Life Insurance (PPLI) allows high net worth families to transfer a variety of assets into a life insurance policy, in order to grow and preserve their wealth in a tax-efficient manner. Some examples of assets that can be transferred include:

Private Placement Life Insurance (PPLI) allows high net worth families to transfer a variety of assets into a life insurance policy, in order to grow and preserve their wealth in a tax-efficient manner. Some examples of assets that can be transferred include:

Private Placement Life Insurance (PPLI) allows high net worth families to transfer a variety of assets into a life insurance policy, in order to grow and preserve their wealth in a tax-efficient manner. Some examples of assets that can be transferred include:

Open-ended investment companies

These are investment funds that can be bought or sold on a daily basis, and that do not have a fixed maturity date.

Private shares

These are shares of a company that are not listed on a public stock exchange, and are usually only available to a select group of investors. Assets held under this company are automatically accepted as assets in the PPLI.

Unit trusts

These are investment trusts that pool money from multiple investors and use it to buy a diversified portfolio of assets such as stocks, bonds, and property.

Exchange traded funds (ETFs)

These are funds that track the performance of a particular index, sector, or asset class, and can be bought and sold on a stock exchange.

Fixed interest securities/bonds

These are debt instruments that pay a fixed rate of interest to investors, and that have a fixed maturity date.

Stocks/shares

These are ownership stakes in a company, and entitle the holder to a share of the company's profits and voting rights.

Features and Benefits of Tolani Flow® PPLI

Tolani Flow® Private Placement Life Insurance (PPLI) offers high net worth families a range of features and benefits to help them grow and preserve their wealth in a tax-efficient manner.

Some of the key features and benefits of the strategy include:

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Wide range of investment opportunities

Tolani Flow® PPLI offers access to a wide range of investment opportunities, including open-ended investment companies, private shares, unit trusts, exchange traded funds, fixed interest securities/bonds, and stocks/shares. This allows investors to diversify their portfolio and choose investments that align with their financial goals and risk appetite with almost no limitations.

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Customizable investment management options

Tolani Flow® PPLI offers a range of customizable investment management options, including the ability to choose your own designated custodian if you have existing relationships. This allows investors to tailor their PPLI to their specific needs and preferences with very few changes needed to their current asset management structure.

Customizable investment management options

Tolani Flow® PPLI offers a range of customizable investment management options, including the ability to choose your own designated custodian if you have existing relationships. This allows investors to tailor their PPLI to their specific needs and preferences with very few changes needed to their current asset management structure.

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Transfer existing assets as premium in kind

Tolani Flow® PPLI allows investors to transfer existing assets as premium in kind, which means they can consolidate their assets in one place and see all of their investments at a glance. This can make it easier to manage your portfolio and optimize the tax efficiency of your investments especially when multiple jurisidctions are involved.

Overall, Tolani Flow® PPLI is a flexible and tax-efficient tool that can help high net worth families grow and preserve their wealth, while also providing liquidity and the peace of mind of life insurance protection.

Ready To Get Started?

Speak to our Tolani Flow® Team Today.

Ready To Get Started?

Invest in a PPLI today.

Criteria for Jurisdiction Selection

Criteria for Jurisdiction Selection

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Highest political and economic stability.

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Stable and protective jurisdiction (asset protection, insurance secrecy law).

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Required Double Tax Agreements (DTAs).

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Strong supervision.

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Long tradition and mentality to protect privacy and respect personal property.

We offer solutions from various countries such as Guernsey, Bermuda, Liechtenstein, Luxembourg, Ireland, Isle of Man, Singapore, Switzerland, Puerto Rico, Cayman Islands, Hong Kong, Mauritus , etc. Only personal consultations will allow us to carefully select the right jurisdiction for a specific case.

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Strong supervision.

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Long tradition and mentality to protect privacy and respect personal property.

We offer solutions from various countries such as Guernsey, Bermuda, Liechtenstein, Luxembourg, Ireland, Isle of Man, Singapore, Switzerland, Puerto Rico, Cayman Islands, Hong Kong, Mauritus , etc. Only personal consultations will allow us to carefully select the right jurisdiction for a specific case.

Product Strategy Comparison

Key comparison matrix for Tolani Flow® PPLI and other HNW solutions:

Product Strategy Comparison

Key comparison matrix for Tolani Flow® PPLI and other HNW solutions:

Setting up a PPLI policy with Tolani Flow®

STEP #1

Fill out an insurance application

To begin the process of setting up a PPLI policy, you will need to complete an insurance application form, which will ask for information about your personal details, financial situation, and insurance needs.

STEP #2

Transfer assets into the policy

Once your insurance application has been approved, you will be able to transfer your assets into the policy. This can be done through a variety of methods, such as open-ended investment companies, private shares, unit trusts etc.

STEP #3

Grant power of attorney

Tolani Flow® PPLI will provide you a Power of Attorney to continue to manage your assets and make decisions. This will empower you to have full control on your assets and Tolani Flow® PPLI will continue to own the assets on your behalf.

STEP #4

Receive policy documents

Once all of the necessary documents have been completed and your assets have been transferred into the PPLI, you will receive your policy documents, which will outline the terms and conditions of your Tolani Flow® PPLI policy.

STEP #5

Completed

With the help of Tolani Flow® PPLI team of lawyers, accountants, investment advisors and insurance professionals, you can be confident that your PPLI policy will be set up quickly and efficiently, and that you will have the support and guidance you need to manage your assets and investments effectively.

Important Notes

It is important to note that investing in a Private Placement Life Insurance policy (PPLI)
comes with certain considerations:

Tax and legal questions should be directed to your own tax or legal advisor, as this material does not provide such advice.

PPLI investments are not suitable for all investors and only "accredited investors" and "qualified purchasers" who meet additional eligibility criteria may invest.

Investing in some funds within a PPLI may be illiquid and may have significant transfer restrictions.

If you are a HNW family looking to grow, preserve, and transfer your wealth in a controlled and tax-efficient manner, consider implementing a Tolani Flow® PPLI policy.

Some key benefits include:

 Consolidation and simplification of assets:

By transferring a variety of assets, such as stocks, bonds, and real estate, into a PPLI policy, HNW individuals can simplify and consolidate their wealth in one place, making it easier to manage and track.

​ Tax-efficiency:

PPLI can help optimize the tax-efficiency of investments by changing the ownership and title of underlying assets, and by reducing tax liabilities arising on death through the use of a suitable structure.

 Succession planning:

PPLI can facilitate quicker access to proceeds and avoid probate, making it a useful tool for succession planning. It can also allow the transfer of assets to be managed confidentially.

​ Liquidity:

PPLI offers the option to make partial withdrawals/loans if needed, and allows policy proceeds to be received in cash or as investment assets.

 Consolidation and simplification of assets:

By transferring a variety of assets, such as stocks, bonds, and real estate, into a PPLI policy, HNW individuals can simplify and consolidate their wealth in one place, making it easier to manage and track.

​ Tax-efficiency:

PPLI can help optimize the tax-efficiency of investments by changing the ownership and title of underlying assets, and by reducing tax liabilities arising on death through the use of a suitable structure.

 Succession planning:

PPLI can facilitate quicker access to proceeds and avoid probate, making it a useful tool for succession planning. It can also allow the transfer of assets to be managed confidentially.

​ Liquidity:

PPLI offers the option to make partial withdrawals/loans if needed, and allows policy proceeds to be received in cash or as investment assets.

 With a dedicated team of lawyers, accountants, and other experts, we are well-equipped to support you in achieving your succession goals.

Introducing the Founder of Tolani Flow®, Dr. Sanjay Tolani

Introducing Dr. Sanjay Tolani, a legendary figure in the world of inter-generational wealth planning. With a Ph.D in Finance and a plethora of qualifications and accolades, he is a true visionary and a pioneer of innovative financial products. With his unique financial structures and approach, he has revolutionized the world of financial products. He has also authored 13 books and mentored over hundred thousand businesses and professionals worldwide.

Introducing the Founder of Tolani Flow®, Dr. Sanjay Tolani

Introducing Dr. Sanjay Tolani, a legendary figure in the world of inter-generational wealth planning. With a Ph.D in Finance and a plethora of qualifications and accolades, he is a true visionary and a pioneer of innovative financial products. With his unique financial structures and approach, he has revolutionized the world of financial products. He has also authored 13 books and mentored over hundred thousand businesses and professionals worldwide.

Ready To Get Started?

Invest in a PPLI today.

Ready To Get Started?

Speak to our Tolani Flow® Team Today.



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