Life Insurance and PPLI

Life Insurance and Private Placement Life Insurance

 We found a very educative blog post about Life Insurance and Private Placement Life Insurance: “This Life Insurance Lets the Very Wealthy Invest in Private Markets and Defer Taxes,“ by Andrea Riquier

Life Insurance and PPLI“No matter who wins the White House and Congress in November, tax law changes loom large, reviving interest in a tried-and-true strategy for the ultra-wealthy.“

The blog post discusses the concept of using life insurance as an investment, particularly focusing on its tax advantages and benefits for retirement and estate planning. It highlights how life insurance can build up cash values tax-deferred and pay them out tax-free, emphasizing the potential tax benefits for wealthy families. The post also touches on leveraging life insurance for investment purposes, maximizing life cover through premium finance, and the role of life insurance in investment diversification and tax-advantaged growth.

Here are some insights:

  1. Purpose of Life Insurance for the Wealthy:
  2. Private Placement Life Insurance (PPLI):
    • PPLI is a specialized form of universal life insurance available exclusively through private channels (not publicly offered). It is specifically designed for high-net-worth individuals.
    • Tax Efficiency: PPLI aims to reduce taxes on investments. By structuring investments within a life insurance policy, wealthy clients can benefit from tax-deferred growth and potentially tax-free distributions.
    • Tailored Solutions: Consulting with financial planners and insurance professionals, such as Michael Malloy and his team at EWP Financial, is essential. They can help customize PPLI policies to align with the unique needs and goals of each client.

Remember that PPLI is a sophisticated strategy, and seeking professional advice is crucial to maximize its benefits. Michael Malloy’s expertise in this area makes him a valuable resource for those navigating the complexities of wealth management and estate planning.


by Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP

Michael Malloy-CLU-TEP












Fortifying Your Financial Future

How to Secure Your Wealth Globally

and the Protection of Crypto

Fortifying Your Financial Future:

A Global Approach to Wealth Security

Connecting the dots: Wealth Preservation, Cryptocurrency, Michael Malloy, EWP Financial, PPLI and EWP.

In today’s interconnected world, safeguarding your wealth has never been more crucial. Join us as we delve into strategies to fortify your financial future on a global scale.

Cryptocurrencies have been making waves in recent months. Let’s take a closer look at the developments in February and March of 2024.

Bitcoin, the flagship cryptocurrency, saw highs near $49,000 after the SEC approved spot bitcoin ETFs in January. However, February brought fluctuations, with BTC prices settling around $42,000 by month-end. Ethereum and other altcoins experienced similar volatility.

But how do you secure your wealth amidst this volatility? Let’s explore global wealth security strategies.

Private Placement Life Insurance (PPLI) offers tax-efficient investment solutions for high-net-worth individuals. By holding assets within a PPLI policy, you can mitigate taxes while enjoying the benefits of life insurance.

Michael Malloy, founder of EWP Financial, a pioneer in the realm of PPLI. His expertise ensures that high-net-worth clients understand the unique benefits of this strategy.

Expanded Worldwide Planning (EWP) provides a comprehensive approach to wealth preservation, focusing on privacy, asset protection, tax efficiency, succession planning, compliance, and flexibility.

EWP Financial, under Michael Malloy’s guidance, simplifies complex financial structures for the world’s wealthiest families, ensuring both wealth preservation and privacy.

In conclusion, the intersection of cryptocurrency gains, global wealth security, PPLI, EWP, and Michael Malloy’s expertise paints a vivid picture of financial empowerment in an ever-evolving landscape. Stay informed, adapt, and secure your legacy!

Disclaimer: This blog post provides general information and should not be considered professional advice. Consult with financial experts for personalized guidance. 

We are here to share our wealth of knowledge about PPLI and EWP.

Contact Us TODAY!

– The EWP Financial Team

by Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP

Michael Malloy-CLU-TEP












PPLI and EWP in Review – Part 2

PPLI and EWP – 2023: The Year We Solved Many ‘Hows’


2023 was a year filled with progress and advancements in the realm of Private Placement Life Insurance (PPLI) and Expanded Worldwide Planning (EWP). Our dedicated team continued to address the intricate queries posed by our valued clients, ensuring that we provided comprehensive solutions.

In this second part of our blog post series, we will reflect on the noteworthy milestones achieved throughout the year and delve deeper into the successful resolutions we offered for various PPLI and EWP challenges. Let us embark on this insightful journey together!

Private Placement Life Insurance (PPLI) and Expanded Worldwide Planning (EWP) can be utilized as financial tools to potentially provide protection and mitigate risks during a global recession, especially for high-net-worth individuals.

If you are looking for ways to keep and increase your investments in 2024, you might want to consider the benefits of #ppli (Private Placement Life Insurance) and #ewp (Expanded Worldwide Planning). These are two powerful strategies that can help you achieve tax efficiency, asset protection, privacy, and diversification for your wealth.

How to save tax and Stay compliant with PPLI and EWP

If you are an international family looking for ways to reduce your tax burden and protect your assets, you might have heard of PPLI (Private Placement Life Insurance) and EWP (Expanded Worldwide Planning). These are powerful tools that can help you achieve your financial goals in a tax-efficient and compliant manner. But what are they and how do they work?

Thanks for watching. Please don’t hesitate to Contact Us for any questions you may have.

by Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP

Michael Malloy-CLU-TEP











PPLI and EWP – 2023: The Year We Solved Many ‘Hows’

PPLI and EWP in Review

Part 1


2023 was a year of many challenges, but it was also a year of solutions. We tackled some of the most pressing questions related to Private Placement Life Insurance (PPLI) and Expanded Worldwide Planning (EWP). Our team worked tirelessly to provide answers to some of the most complex questions our clients had. In this blog post, we’ll take a look back at some of the most significant moments of 2023 and how we solved many ‘hows’ related to PPLI and EWP. Let’s dive in!

If you are a high-net-worth individual navigating the complexities of living or investing across multiple countries, you’re likely familiar with the intricate web of tax challenges that can impact your wealth. Fear not, as there exists a strategic solution designed to optimize your tax efficiency and safeguard your assets: Private Placement Life Insurance (PPLI).

If you are a real estate investor, you may be looking for ways to optimize your tax situation and protect your assets from creditors and lawsuits. One strategy that can help you achieve these goals is to use a combination of PPLI and EWP. In this video, we will explain what these acronyms stand for, how they work, and what benefits they can offer to real estate investors.

Private Placement Life Insurance and Expanded Worldwide Planning are two powerful tools that can help you navigate a financial crisis. In this video, we will explain what they are, how they work, and why they can benefit you in times of economic uncertainty.

Please, stay tuned for PART 2.Thanks for watching. Like and subscribe and as always, we are opened for any questions you may have.

by Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP

Michael Malloy-CLU-TEP











Global Recession in 2024? Get HELP from EWP Financial

Private Placement Life Insurance (PPLI) and Expanded Worldwide Planning (EWP) to the rescue

Global Recession

Private Placement Life Insurance (PPLI) and Expanded Worldwide Planning (EWP) can be utilized as financial tools to potentially provide protection and mitigate risks during a global recession, especially for high-net-worth individuals. Here’s how they might help:

1. Asset Protection and Diversification:

PPLI and EWP can allow for a diversified range of investment options, including alternative investments. During a global recession, diversifying investments can help protect against significant losses in any single asset class.

2. Tax Efficiency and Mitigation:

These structures often offer tax advantages, which can be crucial during an economic downturn. Tax-efficient investment strategies can help preserve wealth and increase after-tax returns, mitigating the impact of a recession on overall wealth.

3. Estate Planning and Wealth Transfer:

PPLI and EWP can be powerful tools for estate planning, allowing for the efficient transfer of wealth to heirs. During a recession, preserving and transferring wealth effectively is essential to secure financial stability for future generations.

4. Insurance Component for Risk Management:

PPLI has a life insurance component, providing a death benefit that can serve as a financial safety net for beneficiaries. This ensures that, in the event of the policyholder’s death, loved ones have financial security during challenging economic times.

5. Privacy and Confidentiality:

EWP, in particular, offers privacy and confidentiality in financial matters. This can be crucial during economic downturns when financial information may be subject to increased scrutiny or potential volatility in the financial markets.

6. Leveraging Structured Products:

PPLI and EWP can be structured to incorporate various financial instruments, potentially offering downside protection or hedging strategies that can help offset losses during a recession.

7. Long-Term Perspective:

Both PPLI and EWP are designed with a long-term perspective in mind. This can be beneficial during a recession, as they allow for strategic financial planning beyond short-term economic downturns.

It’s important to note that while these structures can offer benefits in mitigating risks and preserving wealth, they are complex and should be designed and implemented with the assistance of financial professionals, including tax advisors, insurance experts, and legal advisors, to ensure they align with an individual’s financial goals and circumstances. Additionally, the effectiveness of these structures in protecting against a global recession can vary based on market conditions and individual circumstances. We, at EWP Financial, with several decades of experience, can offer you the whole package. Don’t hesitate. Contact Us today.

by Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP

Michael Malloy-CLU-TEP










How can you keep and increase your investments in 2024

Are you seeking ways to safeguard and boost your investments in 2024?

Look no further than the powerful strategies of PPLI and EWP.

First up, let’s explore Private Placement Life Insurance, or PPLI. This isn’t your typical life insurance policy. PPLI allows you to invest in a diverse range of assets: stocks, bonds, hedge funds, real estate, and more.

And the best part? PPLI offers unparalleled flexibility and control over your investments. Unlike conventional policies, PPLI isn’t constrained by the same regulations, giving you more freedom.

Furthermore, PPLI brings significant tax advantages. Enjoy tax-deferred growth, tax-free distributions, and tax-free death benefits—ensuring your wealth continues to grow and support your legacy.

Now, let’s delve into Expanded Worldwide Planning, or EWP—the cornerstone of comprehensive wealth planning. EWP isn’t just about estate and wealth management—it’s a holistic approach tailored for high-net-worth individuals and families.

EWP encompasses six crucial principles: asset protection, succession planning, privacy, compliance simplifier, trust substitute, and tax shield. Embrace these principles to optimize your wealth structure and enrich your legacy.

Ready to learn more about how PPLI and EWP can bolster your investments in 2024?

Reach out to our team at EWP Financial—a group of experts specializing in international wealth planning.

Let us craft a personalized solution that aligns with your unique needs and goals.

Contact us today and secure your financial future.

by Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP

Michael Malloy-CLU-TEP










Privacy Today – by Michael Malloy CLU TEP RFC


A Private Placement Life Insurance (PPLI) asset structure could have easily prevented life changing invasions of privacy

(Watch videos at the end)


Privacy has become a hot topic in recent years, with numerous controversies surrounding the collection and use of personal data by tech companies and governments. As technology continues to advance, it is important for individuals to understand their rights to privacy and the steps they can take to protect it. This article will summarize key points from a blog post on the topic of privacy and outline the most important takeaways.

The Importance of Privacy

The blog post begins by emphasizing the importance of privacy in today’s world. With the widespread use of technology, personal information is being collected and shared at an unprecedented rate, and it is essential for individuals to understand the implications of this. Privacy allows individuals to control who has access to their personal information, what that information is used for, and how it is shared. This control is essential for ensuring that personal data is not misused or abused.

Key Privacy Concerns

The blog post goes on to discuss some of the key privacy concerns that individuals should be aware of. These include:

  • Data collection: Tech companies and other organizations collect vast amounts of data on individuals, often without their knowledge or consent. This data can include everything from online searches and location data to purchasing history and social media activity.
  • Data sharing: Once personal data has been collected, it can be shared with other organizations, either for commercial purposes or for government surveillance. This can result in sensitive personal information being disclosed without the individual’s knowledge or consent.
  • Data breaches: Data breaches are a major concern in today’s world, as they can result in sensitive personal information being leaked to unauthorized individuals. This can include everything from financial information and Social Security numbers to personal health records and emails.
  • Government surveillance: Governments around the world are increasing their use of technology to monitor citizens, and this can have serious implications for privacy. For example, many governments collect data on internet activity and use this information for surveillance purposes.

Protecting Privacy

The blog post concludes by offering practical tips for protecting privacy in the digital age. These include:

  • Being aware of privacy policies: When using technology, it is important to be aware of the privacy policies of the companies and organizations involved. This includes understanding what personal data is being collected and how it is being used.
  • Using encryption: Encryption is a powerful tool for protecting personal data, as it ensures that information is only accessible to those with the necessary key. This can be especially important when using public Wi-Fi networks, as these are often unsecured and vulnerable to eavesdropping.
  • Being careful with personal information: Individuals should be careful about the personal information they share online, as this information can be used for malicious purposes. This includes being mindful of the information shared on social media, as well as avoiding responding to phishing scams or giving out personal information in response to unsolicited emails.


In conclusion, privacy is a crucial issue in today’s world, and it is essential for individuals to understand the threats to their personal information and the steps they can take to protect it. By being aware of the key privacy concerns and taking practical steps to protect their data, individuals can ensure that their personal information remains safe and secure. The blog post provides a wealth of information on the topic of privacy and is an excellent resource for anyone looking to learn more about this important issue.

Watch one of our most descriptive EWP Stories about #Privacy to understand more


by Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP

Michael Malloy-CLU-TEP












Privacy – EWP Stories – Continuation

Privacy: A Global Context

Private Placement Life Insurance Delivers:

Enhanced Privacy

This week we embark on a new short video series that gives you the highlights of our previous Stories series. We begin with Carlos Gutierrez and his family. In Part One, you will learn of the kidnapping of his daughter, Lucinda, by a powerful Mexican drug cartel, and the request of a $10M ransom. What unfolds is a far too common occurrence in Latin American countries, and can be greatly mitigated with a properly structured PPLI policy that follows the dictates of an EWP asset structure.

Read the full Article

Watch Part II

Watch Part III


by Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP

Michael Malloy-CLU-TEP











The Six Principles Video Suite – The 6 principles of the United Nations Global Compact

The Six Principles Video Suite

At EWP Financial we use our own unique brand of asset structuring that incorporates the six principles of Expanded Worldwide Planning (EWP). Wikipedia features the six principles of EWP in its article on International Tax Planning. There is also a section on Expanded Worldwide Planning in Wikipedia’s article on Private Placement Life Insurance.

The six principles are privacy, asset protection, tax shield, succession planning, compliance simplifier, and trust substitute. Each of these six principles provide essential benefits to wealthy families throughout the world. The relevance of each of these principles varies according to where in the world the family holds their assets and does business, so it is essential to work with someone that has a global worldwide grasp of this complex situation, as we do at EPW Financial.

We have created six videos, each less than one minute in length, to provide you with the essential elements of these six principles. The six principles form the building blocks of our unique asset structures. A wide variety of asset classes can be maximized for tax efficiency, asset protection, and privacy by employing these six principles.

You can view these six short videos by going to our YouTube channel, EWP Financial, and clicking on Videos, then The Six Principles Video Suite.

This week we continue our series on the United Nations Global Compact with a short video on the importance of Purpose for an EWP asset structure.


by Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP

Michael Malloy-CLU-TEP











PPLI and EWP Financial

Private Placement Life Insurance and EWP Financial

Why EWP Financial?


EWP Financial is one of a handful of firms worldwide that specialize in Private Placement Life Insurance (PPLI). Even so, EWP Financial sets itself apart from this elite niche because it markets itself directly to the world’s wealthiest families, while its competitors rely mostly on referrals from other professionals.

How does EWP Financial accomplish the daunting task of reaching the world’s wealthiest families directly?  In part by the fact that its founder and director, Michael Malloy, has authored two books on PPLI, written hundreds of articles, and produced close to 50 videos on its YouTube channel, EWP Financial, all with the specific purpose of reaching out directly to wealthy families.

Latest Article: PPLI – A way to preserve wealthPPLI Article

What ever induced EWP Financial to set out on this most difficult course? Here is what Mr. Malloy says:

“Over the years, I have found that wealth creators are able to grasp the unique benefits of structuring their assets using PPLI quite readily. Once they understand the considerable benefits and show willingness to come on board, we can then also educate their tax and legal advisors. This process has proven itself to be more effective and expedient.”

“The wealth creators have an intuitive sense honed by many years of business experience. They understand complex issues without having to delve immediately into technical issues. We can then provide their advisors with the appropriate tax codes and examples of the many structures that we have successfully completed if they so wish. Most often, the advisors then readily come on board as well.”

Why do advisors need to be educated on this subject? Alas, there are no questions on the CPA or the bar exam about PPLI asset structures. Thus professionals need to learn about these specialized structures in the midst of their practices. They would also have to have a practice that includes the world’s wealthiest families. This then is a rarefied group and most advisors welcome the expert education we provide.

EWP Financial enjoys the challenge of reaching the select audience of the world’s highest wealth achievers. We at EWP Financial, have carved for ourselves a niche with few competitors, and are very happy to have done so.

 Michael Malloy, CLU TEP RFC.
CEO, Founder @EWP Financial

~ Your best source for PPLI and EWP

Michael Malloy-CLU-TEP