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“You only live once, but if you do it right, once is enough.”
- Mae West

Private Placement Variable Life and Annuities

GFG Private Placement offers Private Placement Variable Universal Life (PPVUL) and Annuities (PPVA) that provide structural alpha (after-tax investment returns) to an investment portfolio. For the right client, strategic use of private placement may reduce or eliminate the adverse tax impact and tax-related filings associated with the investment.

The following are features of both PPVUL and PPVA products:

  • No surrender charges
  • Exposure to a variety of strategies and asset classes
  • Elimination of K-1s from underlying investment issuers
  • Transparent pricing structure
  • Flexible design structure

PPVUL and PPVA offer access to tax-inefficient investments in a tax-efficient structure. They create more capital and can offer a philanthropic solution - both PPVUL and PPVA can be used in various trust entities that historically have utilized retail insurance. Lastly, like any variable life or annuity product, they are available through 1035 (like kind) exchange from existing life or annuity policies to take advantage of lower pricing and greater flexibility of investment choice.

Private Placement Life Insurance and Private Placement Annuities are unregistered securities products and are not subject to the same regulatory requirements as registered securities products. As such, Private Placement products should only be presented to accredited investors or qualified purchasers as described by the Securities Act of 1933. The information presented here is not an offer to purchase or the solicitation of an offer to purchase an investment product and under no circumstances should be construed as a prospectus or advertisement.

Variable life insurance and variable annuity products are long-term investments and may not be suitable for all investors. Investments in variable products are subject to fluctuating values of the underlying investment options and entail risk, including the possible loss of principal. Product guarantees, including the death benefit, are subject to the claims-paying ability of the issuing insurance company.

Investors should consider the investment objectives, contract features, risks, charges and expenses of the products carefully before investing. No offer or solicitation of an offer to purchase the variable annuity or variable life insurance product can be made except pursuant to the private placement memorandum, prepared specifically for that purpose.

Pursuant to IRS Circular 230, we notify you as follows: The information contained in this document is not intended to and cannot be used by anyone to avoid IRS penalties. This material is intended for informational purposes only and should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney, tax advisor or plan provider.

Securities and Investment Advisory Services Offered through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Adviser, Member FINRA/SIPC. Goldstein Financial Group, LLC and The Insurance Design Center, LLC are independently owned and operated.