Inside the Life Insurance Strategies of Billionaires | Premium Finance, PPLI, POLI Explained

What do ultra-wealthy individuals know about life insurance that the rest of us don’t? In this masterclass, David Valcourt— who advises clients averaging $300M in net worth — reveals the secret strategies behind premium finance, private placement life insurance (PPLI), and partner-owned life insurance (POLI). From using leverage to bypass estate taxes to structuring policies for maximum liquidity, you'll learn why the wealthiest families use life insurance not for death, but for legacy, liquidity, and leverage. If you're earning high income, own a business, or want to understand how the top 0.01% think about wealth preservation — this is a must-watch.

0:00 Intro
1:20 Background and Story
3:23 Understanding Financial Planning and Its Impact
6:23 High Turnover in Finance: Why It Happens
7:57 Premium Finance
11:36 How Much Minimum Networth Needed Before Getting Into Premium Finance?
16:28 Premium Financing: The Pros & Cons
23:26 Why The Regulator Step In?
26:44 Is It Possible With PPLI To Have Higher Early Cash Value?
30:45 Potential Downfall of PPLI
34:36 Final Thoughts

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*This video is for entertainment purposes only and is not financial or legal advice.

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