Important Disclosures

This material is provided for educational and informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or insurance product, nor does it constitute investment, tax, accounting, or legal advice. Private Placement Life Insurance (PPLI) is a variable life insurance product offered solely through private placement to investors who qualify as Accredited Investors and Qualified Purchasers under applicable federal securities laws. Eligibility, availability, and benefits depend on your individual circumstances and on proper structuring.

Any examples, figures, or charts shown are hypothetical and are presented only to illustrate concepts such as tax-deferred compounding. They are not projections, predictions, or guarantees of future results, do not reflect the performance of any actual policy or investment, and rely on simplifying assumptions including assumed rates of return, assumed tax rates, and assumed costs that will differ from actual experience. Actual results will vary, may be lower or higher, and could result in loss. Past performance does not guarantee future results.

Tax-advantaged treatment of a PPLI policy depends on continued compliance with Section 7702 of the Internal Revenue Code, the diversification requirements of Treasury Regulation §1.817-5, and the investor-control doctrine; failure to comply may result in loss of tax benefits and retroactive taxation. Guarantees are subject to the claims-paying ability of the issuing insurance carrier. Insurance and securities products are offered through appropriately licensed entities and individuals. You should consult your own independent tax, legal, and insurance professionals before making any decision. Ballast Rock Private Wealth does not provide tax or legal advice.