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