Perspectives on wealth structuring, cross-border planning, and the evolving landscape of international insurance — from the team at ScuadraLife.
While scrutiny of PPLI seemed certain, the act targeting this type of insurance policy remains stagnant. The opportunity for plans to use PPLI as effective tax planning vehicles may now be revitalized — current and prospective policyholders should consult with qualified tax professionals.
Read ArticleFor high-net-worth global citizens with business, financial, or personal ties to the United States, a U.S. life insurance policy can be one of the most powerful and tax-efficient ways to protect your family and preserve wealth across generations.
PPLI flips traditional life insurance on its head. Instead of being optimized for the eventual death benefit, it is usually structured to maximize the cash value accumulation by making significant upfront premium payments.
For estate planning attorneys and financial advisors, PPLI is more than just a life insurance product — it's a strategic solution that addresses complex tax and estate planning challenges.
While US residents enjoy a federal estate tax exemption of $13,990,000, the exemption for non-residents is limited to just $60,000. Life insurance can help bridge this disparity for high-net-worth foreign nationals.
Experts predict captive insurance will expand in 2025, fueled by ESG initiatives, AI advancements, and its capacity to tackle emerging risks with customized solutions for business owners.
From buy-sell agreements to key person coverage, life insurance for business owners provides a critical safety net — especially in light of the 2024 Connelly v. U.S. Supreme Court ruling on entity redemption strategies.
A creditworthy party borrows money from a commercial lender to pay premiums on a life insurance contract — preserving liquidity for other investments while securing substantial coverage.
Cross-border planning and investing is complex. But with proper guidance, a strategic long-term investment strategy can be designed and employed effectively for foreign nationals with U.S. financial ties.