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CASE STUDY 02

Succession Planning via PPLI

(AUD 150m)

8T Case 2.png

Objectives

  • Preserve ~AUD 150m across Australia, the UAE, and Switzerland.
     

  • Manage exposure to local succession regimes and latent taxation in accordance with applicable law.
     

  • Arrange intergenerational transfer via contractual beneficiary-designation mechanisms within the PPLI, subject to local mandatory rules.
     

  • Maintain beneficiary flexibility without structural overhaul.

Solutions

  1. DIFC discretionary trust as sole policyholder of a PPLI issued in a recognized jurisdiction.
     

  2. Structuring coordination relating to insurance-based wealth planning frameworks, including PPLI solutions issued and implemented by duly licensed insurance providers, trustees, and institutional counterparties.
     

  3. Contractual beneficiary designation within the PPLI → benefits arranged per policy terms and applicable law. 
     

  4. Specific clauses: Payout modalities aligned with succession law; protections afforded by the insurance wrapper where applicable; beneficiary amendments as permitted under the policy. 
     

  5. Prefunded liquidity sleeve inside the PPLI to cover transmission costs and reduce forced-sale risk.
     

  6. Trustee supervision with a dedicated IPS, rebalancing bands, and quarterly reviews. 
     

  7. Execution coordinated with duly licensed financial, legal, and corporate partners.

Outcome​s

  • Benefit flows pre-framed contractually, aligned with local rules (on legal advice); execution observed without major frictions. 
     

  • Tax efficiency via capitalization within the PPLI until distribution, consistent with applicable law and relevant treaties. 
     

  • Insurance framework providing protections afforded by the issuing jurisdiction, where applicable and subject to local law. 
     

  • Durable contractual flexibility for beneficiary management.
     

  • Structure designed and documented to standards expected by Tier-1 institutions. 

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All execution and implementation were performed exclusively by duly licensed financial institutions, trustees, and regulated counterparties within their respective jurisdictions.

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