Private Placement Life Insurance (PPLI) is an established, internationally recognised structure that, in some jurisdictions, can hold digital assets. This site is an independent educational resource explaining how it works. We do not provide advice, make recommendations, or sell any product.
PPLI places investments, including (where permitted) digital assets, inside a compliant life insurance structure. It is used by families and their advisers around the world to bring long-term order to complex wealth.
Eligible digital assets can be held inside the insurance structure alongside other investments. In many jurisdictions this contribution is not treated as a disposal, though treatment varies by country.
Assets can be rebalanced and grown inside the policy. Depending on your jurisdiction, growth may be tax-deferred, reducing the drag of ongoing taxation over the long term.
The structure can support an orderly transfer of value to beneficiaries, often outside probate, and potentially more efficiently, subject to the laws of the relevant jurisdiction.
Important: This is general educational information only and is not legal, tax, insurance or investment advice. The availability and tax treatment of PPLI vary substantially by country and depend entirely on your residence, citizenship and personal circumstances, and content may become out of date. Always consult qualified professionals in your own jurisdiction before taking any action.
Three reasons UHNW families and family offices explore PPLI for digital-asset wealth.
A single, institutionally governed structure for holding and growing diversified assets over decades, with potential tax efficiency where local rules allow.
A considered plan for passing digital assets to the next generation, addressing succession, access, and the risk of keys being lost on death.
Recognised, compliant structures that respect confidentiality while meeting regulatory and reporting obligations across jurisdictions.
Clear, independent explanations of how PPLI works, and how it compares to other structures, for families and their advisers worldwide.
A plain-language introduction: how the structure works, who it is designed for, what it can and cannot do, and the questions to ask before exploring it in your jurisdiction.
New reporting standards are arriving worldwide, from exchange forms to cross-border frameworks. What is changing, and why holding structure matters more than ever.
An estimated tens of trillions will pass between generations this decade. How families are preparing to transfer digital assets, and educate their heirs.
Seed phrases, multi-signature setups and secure memoranda: how families help ensure digital assets are not lost when they pass to the next generation.
Tokenized funds, private credit and real estate are growing fast. What the shift means for how families hold, diversify and structure wealth.
How leading jurisdictions such as Bermuda, Luxembourg, Liechtenstein and Singapore treat digital assets, insurance structures and reporting.
A large majority of family offices now hold or are exploring digital assets. A look at how they approach allocation, custody and long-term structuring.
CARF is now live in the EU and UK, with data collected from 2026 and first exchanges expected in 2027. Who reports, what is collected, and how it interacts with the amended CRS.
Qualified custody puts a regulated institution in charge of your keys under supervisory rules; self-custody keeps them in your own hands. How the two compare, and why it matters inside wealth structures.
How IDFs work inside PPLI, the diversification and investor control rules that govern them, and why they are often how digital-asset strategies are held compliantly.
Regulated cash-management funds whose shares settle on a blockchain. How they work, how they differ from stablecoins, and what they mean for family wealth.
This is an independent educational resource. We do not give advice, make recommendations or sell products. We are glad to answer questions about our published material, send you new guides, or suggest the questions worth raising with your own qualified advisers.
Educational information only. CryptoPPLI is an independent educational publisher. Everything on this site is general information intended to explain how Private Placement Life Insurance and related structures work. It is not legal, tax, insurance, accounting or investment advice, and must not be relied upon as such.
Jurisdiction matters enormously. The availability, legality, structure, reporting obligations and tax treatment of PPLI and digital assets differ significantly from country to country, and depend on your residence, citizenship, domicile and personal circumstances. Information that is accurate in one jurisdiction may be wrong or inapplicable in another. Content may also become out of date.
Always take professional advice. Before taking any action, consult qualified, appropriately licensed legal, tax and financial professionals in your own jurisdiction. Any decision you make is your own responsibility, and we accept no liability for reliance on this material.
Risk. Digital assets are volatile and can lose value. Insurance and investment structures carry costs, restrictions and risks. Past performance is not indicative of future results.