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










Company Review – Advanced Financial Solutions Inc

About Us

The roots of Advanced Financial Solutions, Inc. reach back over 30 years, and its mission addresses the current, keen paradox of striving to achieve full compliance in tax transparency while also providing clients both privacy and tax savings.

How do we accomplish this?

By diligent, worldwide tax research, and scrupulous attention to clients’ individual needs.
We specialize in insurance solutions to achieve our results, because in most countries the use of insurance is well-established and straightforward to implement.  Within the insurance structures we create, we can usually accommodate most asset classes, and the assets can be located worldwide.

We are proud to be included in the Wikipedia article on Private Placement Life Insurance in the References and Additional Resources section with a link to our website in note number five.

We are referenced as an example of Expanded Worldwide Planning (EWP).  For a visual display of a typical structure, we have contributed a chart to Wikipedia Commons.

Private Placement Life Insurance (PPLI) is essentially an insurance transaction that occurs within a private placement offering. The private placement component adds extensive flexibility to pricing and asset management offerings. Because PPLI is sold through a private placement memorandum, every situation can be individually negotiated and custom designed for the client.

Any asset that can be custodied by a reputable trust company can go into the PPLI structure. Many policies are owned by trusts which can be domiciled in jurisdictions in keeping with the client’s planning needs. In terms of asset management, it is an open architecture model where the assets can be located in multiple jurisdictions with multiple asset managers. PPLI insurance costs generally average about 1 percent of the cash value of the policy.

The cost of the death benefit varies with the health and age of the insured person, and generally policies are designed with the lowest death benefit possible. Tax and enhanced privacy benefits outweigh the costs of using a PPLI structure. Asset management fees will depend on the asset manager(s) selected to manage the assets inside the policy. The policy is fully transparent to the client, as all fees and costs are disclosed.
Our office locations are as diverse as our clients.

In California, clients are hosted in a rural setting in the oak, savannah region of the Sierra Nevada foothills.  This charming setting is about one hour’s drive from the Sacramento airport.  In New York City, 40 Wall Street is our home at the tip of Manhattan.  Our administrative office in the British Virgin Islands serves the needs of clients throughout the world.

We draw from some of the greatest expertise in the field. Our staff is composed of highly qualified financial professionals who can call upon many years’ experience in their respective fields. We believe wholeheartedly in teamwork in order to serve clients in the most beneficial and efficient way possible.

Typically, our clients are high net worth individuals and their families, who rely on us to manage their assets using a long-term yet flexible structure that suits their unique needs and wishes. We also act for banks, companies and international organizations who value our ability to provide innovative solutions quickly and reliably.

Crafting the best possible solution for a client involves bringing together knowledge from many fields, and keeping current by constant study.  Working with legal and financial experts in the fields of tax, estate planning, asset protection, investments, and insurance is what sets us apart.  We welcome the challenge of being:  A Secure Island in a Tax-Hungry World.

Download Brochure

Please Contact Us. We are here to help you!

We will appreciate any comments you may have, (bottom of the page).

Thank you.

~ Michael Malloy

Michael Malloy