Vital Strategies

075 | The Untold Power of Private Placement Life Insurance: Amazing Tool to Build Wealth Tax Free and Protect Your Legacy with Michael Malloy

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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:    

                Sponsored by Vital Wealth    

                Music by Cephas    

                Art work by Two Tone Creative 

                Audio, video, research and copywriting by Victoria O'Brien

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                Vital StrategiesBy Patrick Lonergan