Cryptocurrencies long stopped being a fringe asset class. But the infrastructure surrounding them – tax, succession, regulatory – still lags far behind the market’s growth rate. For an investor whose crypto holdings form a significant portion of a larger portfolio, or who is sitting on a multi-million-dollar crypto position built over years of early conviction, that gap creates specific and measurable risks. Insurance products – ULIP and PPLI – can close most of those risks. This guide explains how placing digital assets inside an insurance structure works in practice, what problems it solves, what it introduces, and why the insurer’s jurisdiction matters more than most investors realise. Part 1. Problems the insurance wrapper addresses Tax complexity under direct ownership Every