These Terms apply to access to and use of PPLI.com. If you do not agree to them, please do not use the website. The Privacy Policy explains how information is handled. Using the website does not, by itself, mean you have consented to every processing activity, marketing communication or storage technology.
PPLI.com publishes information about private placement life insurance and related wealth-planning topics. Its features include articles, hypothetical calculators, an automated research assistant, inquiry forms and professional workspace functions. These features serve different purposes and may have their own instructions, assumptions and access requirements.
Articles, calculator outputs and automated assistant responses are general information. They are not a personal legal, tax, investment, insurance, accounting or fiduciary recommendation. A generated result cannot tell you whether a policy suits you, whether it qualifies, whether an insurer will accept you or whether an arrangement complies with the law, and you should not treat it as if it could.
Review the relevant facts, current rules and actual documents with appropriately qualified professionals before making a decision. Our editorial standards describe how we approach published research. Each calculator explains its own methods and limits, and its presets are hypothetical examples, not a recommended portfolio or an insurer quote.
Nothing on this website, whether a research page, a comparison or a calculator, is an insurance contract, a securities offering or a commitment to provide a financial product. Any real transaction runs on the actual policy or offering terms, the required disclosures and acceptance by the parties involved. Sending an inquiry through the site does not take the place of any of those steps.
PPLI.com publishes research, provides tools and receives inquiries. Contacting us, opening a professional account or talking to the research assistant does not, on its own, create a professional engagement, a policy application, an insurance contract, an investment mandate or authority to hold or transfer assets.
If you are considering a professional or provider, check the legal entity, qualifications, licensing, compensation and engagement terms with them directly. Seeing a firm named or linked on PPLI.com does not mean it acts for you or has accepted an engagement.
We mention insurers, advisers, law firms, investment managers and other organizations because they are sources or subjects of our research. A mention is not an endorsement and does not mean we have a partnership or agency relationship with them. Assess any third party’s services and terms on their own merits.
Policy taxation, investment performance, liquidity, estate treatment and creditor protection depend on the arrangement and applicable circumstances. The website does not guarantee a return, tax result, protection from claims, eligibility or acceptance by an insurer. Past results and hypothetical examples do not predict future results.
A rule that applies in one jurisdiction may not apply in another. Check the law, residence, citizenship, ownership, policy and transaction facts that matter for what you have in mind. These Terms do not authorize conduct prohibited by applicable law or remove rights that the law does not permit to be waived.
Published information and automated responses can contain errors or become outdated. Check primary sources, publication dates and the assumptions behind calculations. We may correct, update or remove content. If you spot an error, please report it through the contact page with the page link and the statement concerned.
Rights in protected original content belong to the relevant rights holders. PPLI.com does not claim to own every name, fact, statute, public source or piece of third-party material that appears on the website. Copyright and trademark are different forms of protection, and we do not claim a registration or exclusive ownership of every item here.
You may read, download and print website content for personal, noncommercial use and link to pages fairly and lawfully. For any other copying, commercial republication, resale or misleading reuse, you need whatever permission applicable law requires. None of this restricts lawful search-engine indexing or the rights and exceptions the law gives you. The US Copyright Office’s fair-use guidance explains that context matters and that there is no fixed number of words you can safely quote.
Do not seek unauthorized access to systems or data, disrupt the website, introduce malicious code, abuse forms or infrastructure, impersonate another person, infringe another person’s rights or collect user information without authority. Use professional account and workspace features only within the access granted to you and with authority for any information you enter.
Sending an inquiry does not create an adviser-client, attorney-client or other professional relationship, and we cannot guarantee a reply or a reply by any particular date. The site team may use what you send to deal with your inquiry. Do not assume your message is protected by professional privilege or will be kept absolutely confidential. The Privacy Policy describes forms, assistant processing, server records and other data handling.
The Privacy Policy tells you how data is handled. Where a particular activity needs your consent, that is dealt with separately: accepting these Terms is not the same as giving it. Sending an inquiry, for example, does not sign you up for marketing. The ICO’s consent guidance explains the separation of consent requests from general terms.
External websites and embedded services can have their own content, availability, terms and privacy practices. Check the provider’s own information when you use them. Linking to external content does not make it a personal recommendation, and we do not control those services.
To the fullest extent permitted by applicable law, PPLI.com and its contributors shall not be liable for any indirect, incidental, consequential, or special losses, or for any loss of profit, revenue, opportunity, or data, arising out of or in connection with your use of, or inability to use, this website or its content, or your reliance on any information published on it. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law.
You agree to indemnify PPLI.com against losses, liabilities, and reasonable costs arising directly from your misuse of the website or your material breach of these Terms, to the extent such losses were caused by that misuse or breach.
Website access and individual features may be interrupted, restricted, changed or withdrawn. We do not guarantee that the website will always be available or free of errors. Keep your own copy of anything important: a saved browser session, local scenario or workspace record is not a guaranteed permanent archive.
We may revise these Terms and will show the date of the latest update above. Please review the version that applies to your use. How a change takes effect, and what continued use means, remain subject to applicable law. Publishing new wording does not take away rights the law guarantees you, and it does not give us your consent to any separate use of your data.
Send questions about these Terms to info@ppli.com or use the contact page. Please keep your first message to what we need to understand the question.
Read our Privacy Policy before submitting. Share only the information needed to describe your question; do not include medical records or account credentials.