075 | The Untold Power of Private Placement Life Insurance: Amazing Tool to Build Wealth Tax Free and Protect Your Legacy with Michael Malloy

What if there was a legal way to eliminate taxes on millions of dollars in investment gains—permanently? In this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Michael Malloy, a global authority on Private Placement Life Insurance (PPLI). With over 30 years of experience helping wealthy families protect and grow their assets, Michael shares how this little-known strategy can transform the financial future of entrepreneurs, real estate investors, and crypto holders. 

Patrick and Michael dive into the structure and benefits of PPLI, how it fits into a larger wealth-building strategy, and why it’s one of the most powerful yet underutilized tools available to high-net-worth entrepreneurs. Listeners will walk away with a clearer understanding of how to reduce tax exposure, protect their assets from lawsuits or divorce, and create legacy wealth—without giving up control of their investments. 

Key Takeaways: 

• What Private Placement Life Insurance (PPLI) is and how it works 

• Why PPLI is a powerful tool for entrepreneurs with $20M+ net worth or major liquidity events 

• How PPLI can shelter crypto, real estate, and even business interests from taxation 

• The role of investor control and why it's critical to get the structure right 

• Real-life case studies that show both the potential of PPLI 

• The importance of assembling the right team, including legal and tax experts, to execute this strategy 

• How PPLI fits into a larger strategy to minimize taxes, protect wealth, and optimize legacy planning 

Learn More About Michael:

Official Website

Resources:   

Visit www.vitalstrategies.com to download FREE resources     

Listen to the podcast on your favorite app: https://link.chtbl.com/vitalstrategies    

Follow on Instagram at https://www.instagram.com/vital.strategies      

Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast     

Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/     

Credits:    

Sponsored by Vital Wealth    

Music by Cephas    

Art work by Two Tone Creative 

Audio, video, research and copywriting by Victoria O'Brien