PPLI
Review private placement life insurance around the insurance need, underwriting, investment structure, expenses, and ongoing administration.
Insurance & annuities /Complex structures.
Specialist insurance & securities planning
Complex structures.
Disciplined due diligence.
Evaluate private placement life insurance, private placement variable annuities, and premium financing only within a defined client need, eligibility review, and coordinated professional process.
M. H. LeBlang, Inc. dba M. H. LeBlang Insurance ServicesCA Insurance License 0M32052
PPVA
Evaluate private placement variable annuities around investment access, costs, liquidity, contract terms, and relevant tax requirements.
Premium financing
Stress-test borrowing costs, renewal terms, collateral requirements, policy performance, and an executable exit plan.
Design & monitoring
Coordinate carrier and investment due diligence, funding schedules, ownership, illustrations, and periodic review.
Professional case review
Connect the coverage
to the broader plan.
A useful comparison makes the objectives, assumptions, tradeoffs, and implementation responsibilities clear.
- 01
Qualification and capacity
Confirm the investor and purchaser qualifications required by the offering, insurance underwriting, and each professional’s licensing and role.
- 02
Economics and constraints
Analyze insurance, investment, administrative, advisory, and financing costs alongside liquidity, collateral, and funding demands.
- 03
Ongoing governance
Coordinate tax and legal advice, applicable diversification and investor-control requirements, documentation, and monitoring responsibilities.
Product & implementation considerations
These arrangements can involve substantial market, liquidity, credit, collateral, policy, tax, and legislative risks. Favorable tax treatment is conditional and can be lost. Private placement variable insurance and annuity contracts involve securities offered through the appropriate MHL Investments brokerage capacity, together with licensed insurance professionals. Availability is case- and offering-specific.
Product availability, underwriting, features, and compensation vary by insurer, contract, state, and professional capacity. Insurance guarantees depend on the issuing insurer’s claims-paying ability.
For your practice
Bring the case.
Define the next step.
Start with the planning objective, client state, and the decision you need to make.