Private Placement Variable Universal Life Insurance and Variable Annuity Products

Private placement variable universal life insurance (PPVUL) and annuity products are hot topics today because they provide effective ways to invest without taxation (or with deferred taxation) on investment earnings. In light of recent tax reform, estate-planning advisors may be focusing more than before on income tax planning, and these vehicles offer solutions worth exploring. In addition, investment advisors are attracted because they can manage policy values through Internal Revenue