私募人寿保险（PPLI）是一种人寿保险结构，在美国和欧洲已被使用多年。PPLI在亚洲的启用是近几年，但一般的例子都属于邹形的运用。这是因为在亚洲,人们对它没有很好的理解,而是在关切在自动信息交换（AEOI） 及通用报告准则（CRS） 等条例的实施下,才突然引起在财富规划上运用PPLI的热潮。
有些人认为PPLI是“101”保单，其礼赔的“100%”是客户转移至保险公司的资产,而保险公司所承保的仅是“1%”的人寿保额。PPLI远不止这些。对PPLI的概念更好地理解是将您的资产保单管理化，成立一项您和保险公司之间的金融合约。感觉类似设立信托,将资产转由信托公管理。 (“可变万能人寿保险”（“VUL”）实是PPLI的另一个子集,如同“101保单”。这两种保单皆是PPLI,其不同在于人寿保额的计定。) 可用PPLI管理的资产取决于各保险公司, 其中包括BVI公司的股份。BVI公司可以持有您的家族企业、您的房地产以及在各银行的金融资产。因此，PPLI可以被视为一种资产持有结构，类似于信托，但可以为客户带来重大利益
- 简化CRS的须报 - 保险公司仅呈报持保人、及保单退保价值。
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