Insurance Wrapper Jurisdictions: Where to Issue a Unit-Linked or PPLI Policy
Luxembourg, Ireland, Liechtenstein, Bermuda, Cayman, Singapore, Hong Kong, Isle of Man and Guernsey compared, and how FR, IT, ES, DE, UK and US tax the policy.
Life insurance
Meanwhile: Bitcoin-Denominated Life Insurance for Crypto Wealth
Meanwhile is a Bermuda life insurer offering whole-life policies denominated in bitcoin. BMA licence, premiums and cash value, policy loans, custody, onboarding, tax considerations and product risks.
Lombard Lending: Liquidity Against Portfolio Collateral
How lombard lending works: pledging portfolios without selling, loan-to-value (LTV) by asset class, floating rates, margin call risk, pledge versus title transfer and interest deductibility.
PPLI: Private Placement Life Insurance as a Portfolio Wrapper
How PPLI works: tax treatment, §817(h) diversification test, investor control doctrine, qualified purchaser, jurisdictions (Luxembourg, Bermuda), and CRS transparency.
Life Insurance as a Succession Tool
Unit-linked policies from Luxembourg and Ireland as a capital wrapper: liquidity for inheritance tax, tax deferral, direct transfer to beneficiaries, and asset protection.
Universal Life in Singapore: single premium, premium financing and estate liquidity
Universal Life in Singapore: single-premium cover, premium financing through a bank loan secured on the policy, cash value and estate liquidity.