Скачать или смотреть Offshore PPLI Could Cost You Millions If You Choose Wrong

Offshore PPLI only makes sense for ultra-high net worth. For most people, it's expensive complexity.

PPLI (Private Placement Life Insurance) wraps investments inside a life insurance policy. Growth is tax-deferred, death benefit passes tax-free. It's a legitimate estate planning tool for people with $5M+ who've maxed out other strategies.

US PPLI:

-Regulated by US insurance law
-Assets managed by US-approved custodians
-Simpler compliance
-Lower setup costs ($50K-100K typically)

Offshore PPLI (Cayman, Bermuda, etc.):

-Access to international investments US policies can't hold
-Can custody crypto and alternative assets more easily
-Foreign currency diversification
-Costs $100K-500K to set up, $50K+ annually to maintain

The offshore advantages matter if:

-You want exposure to non-US investments
-You need crypto custody within the policy
-You're holding $10M+ where costs are proportional
-You're internationally mobile

They don't matter if:

-Your assets are under $5M (costs eat the tax benefits)
-You're investing in standard US securities
-You're not comfortable with complex reporting requirements

CRITICAL: Offshore PPLI requires strict IRS compliance. You file Form 720, report foreign accounts, maintain proper documentation. Screw it up and you lose all tax benefits plus face penalties.

This isn't a tax dodge. It's a legitimate structure for specific situations with serious costs and compliance burdens. Most people asking about it don't need it.