Every structure we design is custom-built around the client's needs, jurisdictions, and legacy goals — never off-the-shelf, always engineered for purpose.
ScuadraLife brings together deep insurance expertise, cross-border regulatory knowledge, and investment integration to create structures that serve one purpose: protecting what matters most.
From private placement life insurance to advanced multi-jurisdictional planning, every solution is built to align with your financial architecture — not replace it.
The gold standard for sophisticated wealth structuring — combining tax efficiency, investment flexibility, and asset protection in a single vehicle.
Private Placement Life Insurance (PPLI) is a customized, variable universal life insurance policy designed for high-net-worth and ultra-high-net-worth individuals. Unlike traditional insurance, PPLI allows policyholders to invest in a wide range of alternative assets within the insurance wrapper.
This creates a powerful combination: the tax advantages of life insurance with the investment flexibility of a private fund. When structured properly, PPLI can defer or eliminate income and capital gains taxes, protect assets from creditors, and facilitate efficient wealth transfer across generations.
ScuadraLife works with premier global carriers to design PPLI structures tailored to each client's domicile, tax profile, and investment strategy — across U.S. domestic and offshore jurisdictions.
Investment growth within the policy is tax-deferred, and death benefits pass to beneficiaries income-tax-free.
Access hedge funds, private equity, real estate, and alternative assets within the insurance structure.
Depending on jurisdiction, PPLI can offer substantial protection from creditors and legal claims.
Efficiently transfer wealth to the next generation with minimized estate and gift tax implications.
A strategic alternative for non-U.S. clients — combining insurance-wrapped investment flexibility with global tax advantages and cross-border portability.
Unit Linked policies are insurance-wrapped investment vehicles widely used outside the United States, particularly in Europe, Latin America, and Asia. They allow policyholders to allocate premiums across a range of investment funds while maintaining the tax and legal benefits of an insurance contract.
For international clients with assets in multiple jurisdictions, Unit Linked solutions offer a compliant and efficient framework for wealth accumulation, tax deferral, and estate planning — without the complexities of U.S.-centric insurance regulations.
ScuadraLife structures Unit Linked policies through our global carrier partnerships, ensuring each solution is optimized for the client's residency, citizenship, and long-term financial objectives.
Designed to function across jurisdictions, ideal for clients with global footprints and multi-country assets.
Tax deferral on investment gains within the policy, with favorable treatment upon distribution in many jurisdictions.
Allocate premiums across diverse fund options including equities, fixed income, alternatives, and bespoke mandates.
"Where intelligent wealth meets invisible protection."
For clients with complex, multi-layered financial lives — we design structures that coordinate across borders, advisors, and generations.
Advanced Planning at ScuadraLife goes beyond conventional insurance design. It's the intersection of tax strategy, legal structuring, and insurance engineering — coordinated across multiple jurisdictions and advisory teams.
Whether it's a premium finance arrangement for a business owner looking to maximize coverage without liquidating assets, or a waterfall structure designed to optimize policy performance over time, our team brings the technical depth and global perspective needed to execute at the highest level.
We work alongside attorneys, CPAs, and financial advisors to ensure every structure integrates seamlessly into the client's broader estate and tax plan.
Coordinate insurance and investment structures across multiple countries and legal systems simultaneously.
Leverage third-party financing to fund large insurance premiums while preserving liquidity and investment capital.
Optimize policy performance through layered cash value distribution strategies designed for long-term efficiency.
Design policies that maximize accessible cash value for living benefits while maintaining death benefit coverage.
Foundational protection, thoughtfully structured — with access to multi-currency options and global carriers.
Not every solution requires complexity. Traditional life insurance remains the foundation of sound financial planning — providing guaranteed death benefits, predictable cash value accumulation, and essential protection for families and businesses.
ScuadraLife offers the full spectrum of traditional life products, from whole life and indexed universal life to term insurance, all available through our network of 50+ premier carriers. What sets us apart is how we position these products: as components within a broader structure, not standalone transactions.
For international clients, we offer multi-currency policies and cross-border coverage that traditional domestic brokers cannot access.
Guaranteed death benefits with predictable, tax-advantaged cash value growth over the life of the policy.
Flexible premiums with cash value growth linked to market index performance, with downside protection floors.
Cost-effective coverage for specific time periods — ideal for business obligations, mortgages, or transitional planning needs.
Strategic insurance solutions designed specifically for business owners — protecting the enterprise, rewarding key talent, and planning for continuity.
Business owners face unique risks that require specialized insurance design. From protecting against the loss of a key executive to ensuring smooth ownership transitions, ScuadraLife builds insurance structures that serve as strategic business tools — not just safety nets.
We work directly with business owners and their advisory teams to create solutions that align with corporate governance, shareholder agreements, and long-term succession plans. Every structure is designed to be both legally defensible and tax-optimized.
Insurance-funded buy-sell structures that ensure smooth ownership transitions triggered by death, disability, or retirement.
Protect the business from the financial impact of losing critical executives, founders, or revenue-generating talent.
Supplemental executive retirement plans (SERPs), deferred compensation, and split-dollar arrangements to attract and retain top talent.
A dedicated captive management and reinsurance platform — giving businesses the tools to self-insure, manage risk strategically, and unlock significant tax and operational advantages.
The Scuadra Captive Program provides businesses with a turnkey solution for establishing and managing captive insurance structures. Whether you're looking to retain risk more efficiently, access reinsurance markets, or create a profit center within your insurance strategy, our program delivers the infrastructure, compliance, and expertise to make it happen.
We guide business owners through every stage — from feasibility analysis and domicile selection to ongoing captive management and regulatory reporting. Our approach ensures each captive is structured for maximum tax efficiency while maintaining full compliance across jurisdictions.
End-to-end support for establishing and operating captive insurance entities, including domicile selection, licensing, and ongoing administration.
Access to reinsurance markets that allow captives to transfer and diversify risk while optimizing capital reserves and improving loss ratios.
Full regulatory alignment across domestic and offshore domiciles, including actuarial studies, annual filings, and ongoing compliance management.
Customized risk retention programs that turn insurance costs into investment opportunities, creating long-term value for the business.
Every engagement follows a disciplined process — ensuring precision, alignment, and long-term value at every stage.
We begin with a confidential strategy session to understand your financial landscape, goals, jurisdictions, and existing advisory relationships.
Our team architects a custom structure — selecting the right carriers, jurisdictions, and policy types to match your objectives.
We coordinate with your legal, tax, and financial advisors to execute the structure seamlessly across all parties and jurisdictions.
We remain engaged post-implementation — monitoring policy performance, regulatory changes, and evolving client needs over time.