A Structure — Not a Product
Private Placement Life Insurance (PPLI) and Private Placement Variable Annuities (PPVA) are institutional, tax-advantaged structures that allow investments to grow more efficiently within a defined framework.
It is not a standalone product — but a way to hold and manage assets. Designed for high net worth and ultra-high net worth clients, these structures provide powerful advantages:
Institutional Investment Access
Access premier alternative investments and asset managers, often at lower minimums than otherwise available.
Tax Alpha
Shield high-tax, high-turnover strategies from ongoing drag — significantly improving long-term compounding.
Diversification & Flexibility
Diversify beyond traditional asset classes with greater control over structure and planning.
Estate & Legacy Control
Enhance legacy planning with greater control over how your assets are held, taxed, and transferred.
The Gap Has Been Infrastructure
Despite its benefits, adoption has been limited. Not because the strategy doesn't work — but because the systems to deliver it haven't existed.
Operational complexity
Fragmented carrier processes, manual paperwork, and disconnected workflows have made implementation impractical at scale.
Lack of integration
Private placement has historically lived outside the systems RIAs rely on — no reporting integration, no visibility into positions.
Limited accessibility for RIAs
Without dedicated infrastructure, independent advisors couldn't offer these strategies efficiently to their clients.
Reframing the Category
Common misconceptions have kept private placement from its full potential. Here's a clearer picture:
Common belief
The reality
With the right infrastructure, private placement becomes practical — not theoretical.
Understanding the strategy is just step one.
Advisure provides the platform to model, implement, and monitor these strategies at scale — without disrupting how you already manage assets.
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