Private Placement Life Insurance: What a Real Comparison Requires

PPLI economics depend on a specific insured person, carrier, policy design, underwriting class, premium schedule, separate-account menu, asset-manager charges, and time horizon. A generic compound-growth chart can omit the very costs and constraints that determine the result.

Ask for the full illustration, guaranteed and nonguaranteed values, all policy and investment charges, surrender terms, death-benefit mechanics, premium schedule, and the assumptions used for loans or withdrawals. Compare those values with a taxable alternative using the same gross returns and cash-flow dates.

Confirm insurable interest, ownership, investor-control and diversification requirements, the purpose of the death benefit, estate inclusion, funding source, liquidity under poor performance, and what happens if premiums or returns differ from the illustration.