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Improving the Tax-Efficiency of Estate and GRAT Planning with PPLI

Improving the Tax-Efficiency of Estate and GRAT Planning with PPLI

The best way to maximize the value of a GRAT is to utilize the GRAT for assets that are tax-inefficient. This holistic estate and investment approach can be improved further by utilizing the GRAT as a vehicle to invest in private placement life insurance (PPLI) which allows the assets to compound without the tax drag. Doing so essentially turns the tax-inefficient assets into tax-efficient assets by providing the client with the benefits of tax-free growth as well as step-up in basis that would be lost if the client only used the GRAT by itself.

Premium Minimization Services

Premium Minimization Services

One of the main concerns of life settlement investors is minimizing the premiums required to keep the policy in force. Colva is a specialist in utilizing actuarial principles to determine the minimum premium to keep a policy in force. Current industry practice...

Life Insurance Policy Review Blog

Life Insurance Policy Review Blog

As an actuary who helped to price and analyze policies for a large life insurance carrier, I quickly saw how policy owners end up getting the worst end of the deal. While agents can earn 80% to 100% of the first year premium that policy owners pay for a permanent life...