Your portfolio lives within a wrapper that will outlive you.

• The portfolio is assembled from several accounts across different banks and jurisdictions, and its reporting sprawls.
• You want growth to accrue without annual tax friction, rather than being shaved at every step.
• You are thinking about how the portfolio will pass to your heirs — without publicity, disputes or a long division.

What the House does

The House places your investment portfolio within a private life-insurance policy — a recognised, regulated instrument, not a homemade construction. The assets go on working to your investment strategy, but they are now held within a single wrapper: with deferral on growth, with privacy of ownership and with a pre-set order of passage to your heirs.

• Selection of the insurer and the policy’s jurisdiction to suit your structure and portfolio.
• Transfer of existing assets into the wrapper while preserving the investment strategy and managers.
• Appointment of beneficiaries so that passage to heirs runs outside a public division.
• Reduction of the portfolio’s reporting to a single instrument instead of a scattering of accounts.
• Binding of the policy to the rest of the family structure — foundations, holding, succession.

What you get: a PPLI policy in the chosen jurisdiction (minimum premium from $1M) · transfer of the portfolio into the wrapper with the managers preserved · appointment of beneficiaries outside a public division · reporting under one instrument instead of a scattering of accounts.

Why this way and not another

• The portfolio is spread across accounts at different banks, and each sees only its own part.
• Growth is taxed at every step, and compounding does not work at full force.
• The plan for passage to heirs exists in words but is not fixed in an instrument.
• Privacy rests on the goodwill of providers, not on the ownership structure itself.

What worries you — and the House’s answer

• “I’ll lose control of my investments.” — The policy holds your portfolio, but the investment strategy and managers remain yours; the wrapper does not run the money for you.
• “This is a grey construction that will fall apart under scrutiny.” — PPLI is a recognised, regulated instrument; the House builds the policy within the rules, not around them.
• “The money will be locked away and out of reach.” — The policy is designed with pre-set terms of access to value; liquidity is built in, not taken away.

Where this leads

The family’s portfolio is held within a single recognised wrapper: growth accrues without annual friction, reporting is reduced to one instrument, ownership is private. And when the time comes to pass the capital to heirs, it passes under the policy — cleanly and quietly, without a public division and without a scattering of accounts they would have to assemble anew.