About this site

ppli.si — Private placement life insurance around the world

ppli.si is an English-first reference on private placement life insurance (PPLI) and private placement variable annuities (PPVA) across seven booking jurisdictions: Singapore, Bermuda, Luxembourg, Liechtenstein, Ireland, the Cayman Islands and US domestic PPLI. It is written for internationally mobile families, family offices and the professionals who advise them.

The site asks one question throughout: if the same contract structure were booked in a different jurisdiction, what would change? Each page follows the same lens — legal framework, asset-segregation mechanism, investment rules, client eligibility, what the policy means for tax at home, and which professionals are needed. Topics covered: asset protection and its limits, investment flexibility and the investor-control line, CRS, FATCA and the US §7702 and §817(h) tests, carrier and custody arrangements, suitability and common misconceptions.

What this site does not do: it does not recommend carriers, jurisdictions or products; it does not quote any carrier's fees or minimums; it does not describe any jurisdiction as exempt from tax or reporting; and it does not promise protection, approvals or tax outcomes. Every figure carries a unit, a date and a source, and the sources page lists them, with secondary sources labelled.

Division of labour within the network: ppli.com.sg covers PPLI from a Singapore perspective in Chinese, including parties, minimums and fees, trusts, family offices and VCCs; vul.com.sg explains variable universal life and its boundary with PPLI; vccfund.si compares fund vehicles such as the VCC, Cayman SPC, Luxembourg SICAV and Irish ICAV; hnwsolution.com.sg covers wider planning, private-bank lending and residency; hnw.sg explains CRS for general readers. The Chinese pages here are summaries of the English pages.

Operator

This site is operated by the Xiaopoxian content team to provide general education, comparison and reference material, and to register enquiries. It is not an insurer, bank, licensed financial adviser or insurance broker; its content has not been reviewed, approved or endorsed by the Monetary Authority of Singapore (MAS). Personalised advice, official quotations, account opening and application services are provided by the actual licensed or exempt institutions and their appointed representatives.

Content lead

Stella 武晓旭 · Stella Wu Xiaoxu
Associate Director, Everest Group — a group of financial consultants representing Great Eastern Financial Advisers Private Limited

Practising in Singapore since 2017 (AXA Singapore consultant and manager), with Great Eastern Financial Advisers since 2021, serving Singapore and Greater-China cross-border high-net-worth families and business owners while building an adviser team.

Licensing and representative status are as recorded in the MAS Register of Representatives and by the principal firm. This site is not the official website of any licensed firm, and its content has not been reviewed by that firm or by MAS.

Editorial principles

1. We compile only public material from insurers, banks, regulators and official statistics, citing source and date per item; where the source is silent, we do not infer.
2. We separate guaranteed from non-guaranteed, fact from opinion, regulation from practice; illustrations, back-tests and past performance do not indicate future results.
3. We do not recommend products or promise returns, approvals or tax outcomes; personalised advice is the responsibility of licensed or exempt institutions and their appointed representatives.
4. Cross-border content states the applicable jurisdiction; readers should obtain advice in their own jurisdiction.
5. If you spot an error or outdated figure, tell us via the contact page; corrections are dated.