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Category: PPLI by Country

Offshore PPLI and the Trust Question: What UK Policyholders Need to Know Beyond the Crown Dependencies

The previous two pieces in this series established the UK tax baseline for life insurance payouts and the mechanics of trust structures that remove a policy from the policyholder’s estate for Inheritance Tax purposes. This third piece addresses a question that arises directly from that analysis: when the life company itself authors the trust structure — as is standard practice across the offshore PPLI market — does that structure hold, and what are the UK IHT implications across the major PPLI jurisdictions beyond the Crown dependencies? THIS SERIESPart 1 – Are Life Insurance Payouts Tax-Free in the UK?Part 2 – Writing Life Insurance in Trust: How the Structure Works and What Changed in April 2025Part 3 – Offshore PPLI and

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PPLI for Canadian Residents and Non-Residents

Canada occupies an unusual position in the global PPLI market: it is one of the few jurisdictions where offshore Private Placement Life Insurance is, for most residents, largely ineffective as a tax deferral vehicle – and at the same time, a jurisdiction where specific client profiles can benefit substantially from well-structured arrangements. The difference comes down to residency status, the timing of structuring, and the specific planning objective. This article explains the regulatory framework honestly – including where PPLI does not work for Canadian clients – and identifies the scenarios where it genuinely does. Why offshore PPLI largely doesn’t work for Canadian residents Canada taxes its residents on worldwide income. Unlike many EU countries, there is no territorial tax system

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