Private placement variable universal life insurance (PPVUL) products are available “onshore” through some of the largest insurance companies in the United States. For advisers who know PPVUL only as an offshore vehicle, it may be time to consider the planning opportunities with domestic PPVUL. Domestic PPVUL, properly designed, is complex, but can be extremely rewarding for the high-net-worth clients who seek new ideas from their advisers. Although clients can own PPVUL in their estates,
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