What if there was a legal way to eliminate taxes on millions of dollars in investment gains—permanently? In this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Michael Malloy, a global authority on Private Placement Life Insurance (PPLI). With over 30 years of experience helping wealthy families protect and grow their assets, Michael shares how this little-known strategy can transform the financial future of entrepreneurs, real estate investors, and crypto holders.

Patrick and Michael dive into the structure and benefits of PPLI, how it fits into a larger wealth-building strategy, and why it’s one of the most powerful yet underutilized tools available to high-net-worth entrepreneurs. Listeners will walk away with a clearer understanding of how to reduce tax exposure, protect their assets from lawsuits or divorce, and create legacy wealth—without giving up control of their investments.

Key Takeaways:

What Private Placement Life Insurance (PPLI) is and how it works

Why PPLI is a powerful tool for entrepreneurs with $20M+ net worth or major liquidity events

How PPLI can shelter crypto, real estate, and even business interests from taxation

The role of investor control and why it's critical to get the structure right

Real-life case studies that show both the potential of PPLI

The importance of assembling the right team, including legal and tax experts, to execute this strategy

How PPLI fits into a larger strategy to minimize taxes, protect wealth, and optimize legacy planning

Learn More About Michael:

Official Website

Resources:

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Credits:

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