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Private Placement Variable Annuities (“PPVA”)

Private Placement Variable Annuities (“PPVA’s”) similar to Private Placement Life Insurance (“PPLI”), are traditionally employed by high net-worth individuals when executing estate planning or tax-planning strategies. PPVA’s are used as funding mechanisms for other products or simply for tax benefits. PPVA’s, unlike PPLI contracts, do not have a death benefit therefore there is limited medical underwriting, however an almost unlimited amount of funds may be placed inside a PPVA contract.

  • Tax Benefits

PPVA’s are life insurance products and therefore have all of the same tax benefits of traditional variable annuities including tax deferred growth of investment earnings (dividends, interest, and capital gains) on policy assets.