The PPLI Advantage
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For decades, Private Placement Life Insurance (PPLI) operated in the background of wealth management, utilized by only a small percentage of financial advisors, UHNWI, and family offices that understood its power.
We’ve redefined the proven and privileged process of PPLI into a transparent, accessible, and elegant system.
Many firms offer a private fund, a public ETF, or a risk-managed strategy, but Autograph integrates all three pillars inside a PPLI structure that is tax-free, seamless, and efficient. We create intelligent wealth structures designed not for benchmarks, but endurance.
Strategy may determine what you earn, but structure can determine what you keep.
We believe taxes erode wealth faster than volatility. Complexity can create friction that compounds against you. Without the right structure, even great investments can become inefficient. PPLI doesn’t replace investments. It redesigns how they are owned. PPLI is built to protect wealth, to keep compounding uninterrupted, and to ensure what matters most is preserved.
PPLI Provides:
01.
Tax-Deferred Growth
Earnings grow tax deferred and can be accessed tax free.
02.
Tax-Free Liquidity
Withdrawals up to basis and policy loans thereafter provide access without triggering income tax.
03.
Tax-Free Transfer
At death, policy value and death benefit pass income-tax free to heirs or trusts.
04.
Investment Flexibility
Through a separately managed account (SMA), families can allocate investments across private and public markets, with customization not available in retail contracts or limitations of Insurance Dedicated Funds (IDFs).
05.
Liquidity and Freedom
No contribution caps, no early withdrawal penalties, no mandatory distributions and no surrender charges.
06.
Administrative Simplicity
No need to worry about K-1s, signing sub-docs, capital calls, or annual 1099s. Clean reporting and streamlined oversight.
Intelligent Wealth is not just in portfolios or policies. It’s in how families use them to create freedom, impact, and abundance across generations.
Put PPLI to Work For You
Wealth Designed to Endure
PPLI provides a protected and proven wealth strategy, structured to allow investments to compound tax-free, and transfer cleanly to the next generation. Institutions like endowments and sovereign wealth funds have long utilized the advantages of tax-free compounding. Autograph’s PPLI approach allows families to create their own version, a permanent endowment structure, individually designed. Every Autograph policy is designed with structural guardrails that ensure legitimacy, transparency, and security. These same guardrails have protected PPLI investments under U.S. tax law for more than a century.
Qualification Tests
Designed to pass IRS qualification standards — the 7-Pay Test, Guideline Premium Test, and Cash Value Accumulation Test — ensuring Non-MEC status and long-term tax advantages.
Diversification
Policies are structured to meet IRS diversification rules (IRC §817(h)), requiring at least five distinct investments to ensure compliance and flexibility.
Investor Control Doctrine
The Investor Control Doctrine is an IRS rule that protects the tax benefits of life insurance by preventing policyholders from managing individual investments. Autograph ensures compliance by designing portfolios with proven managers and strategies that reflect your objectives while safeguarding long-term tax advantages.