The Capital for Life briefing library is the firm's technical intellectual property for professional advisers: carrier reviews, product guides, planning strategies and market intelligence covering indexed universal life (IUL) and private placement life insurance (PPLI) for international high-net-worth clients. Every briefing is written by Carlton Crabbe, Founder and CEO, drawing on close to thirty years advising HNW and UHNW families across the UAE, UK, Europe, Africa, Asia and Australia — and on the firm's proprietary research, including the IUL Buyer Survey 2026 of 1,800 verified HNW enquiries and its independent carrier rating methodology. Each briefing page summarises what the document covers and who it serves; the full PDFs are available to verified professional advisers.
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Adviser Briefings
14
Across carriers, strategies, and PPLI
Carriers Covered
4
Manulife, Sun Life and more
Last Updated
Q3 2026
New briefings added quarterly
Access
Free
For qualified professional advisers
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Independent assessments of the carriers Capital for Life works with — financial strength, global reach, and suitability for international HNW clients.
Capital for Life's independent 2026 assessment of Manulife — scored 9.3/10, its strongest rating since the review series began. Covers the Moody's Aa3 upgrade, LICAT capital strength, the new DIFC office and the May 2026 launch of MGG PRO.
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The founding and global expansion of Manulife from 1887 to the present day. Context for advisers on the depth and stability of one of the world's most established life insurers.
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Full league table of the world's 50 largest life insurers ranked by policyholder reserves. Benchmarking context for carrier selection and client conversations.
Read moreAdviser-level product briefings for the structures Capital for Life works with. More product guides will be added as new products launch.
Adviser briefing on Manulife's MGIUL 24 — S&P 500 index crediting with a 0% floor and 24% multiplier, policy loan structure, multi-pay options, premium financing acceptance, and how to present the accelerated benefit riders correctly.
Read moreStrategy briefings, planning frameworks, and adviser reference guides. From market-specific IUL guides to client conversation tools and volatile-market handling.
How backdating an IUL policy to an earlier issue age can reduce long-term costs and improve performance. When to use it, carrier rules, and key adviser considerations.
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IUL as a complement to property portfolios. Tax efficiency, liquidity planning, and long-term wealth structuring for HNW clients with significant property holdings.
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Planning guide for advisers working with HNW clients in Dubai and the UAE. IUL suitability, carrier access, structuring approach, and tax context for UAE-based clients.
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How IUL's 0% floor and index crediting protect clients during sharp market downturns. Adviser handbook for client conversations when equity markets fall.
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Three complementary UK IHT gifting routes — unlimited excess gifts out of income, nil rate band trust planning and PETs — with the recommended sequence, record-keeping discipline and risk register for UK-resident and internationally mobile HNW clients.
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A structured briefing on IUL fundamentals for client conversations — the 0% floor, index caps and multipliers, fixed versus participating policy loans, and what 1,800 verified HNW enquiries say about how the loan facility is actually used.
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In-depth answers to complex adviser questions on IUL performance during volatile markets. Index crediting mechanics, policy behaviour, and client conversation handling. 2025 edition.
Read moreMarket briefings and compliance context for advisers operating in cross-border and multi-jurisdiction planning environments.
China's Announcement No. 21 of 2026 brings offshore trusts within individual income tax at 20%, with a 90-day disclosure window already running. What the rules say article by article, the twice-stated insurance carve-out, and where PPLI genuinely fits — and where it does not.
Read moreAccess case support, co-structuring, and bespoke illustrations alongside the briefing library. Capital for Life works as a specialist structuring desk — you keep the client relationship.
Work alongside Carlton Crabbe on complex cross-border cases. Illustrations, jurisdiction selection, and trust integration.
Request personalised carrier illustrations for client-specific premium amounts, pay tracks, and allocation preferences.
Regulatory guidance, compliance documentation, and adviser onboarding support for new partner practices.
This page has been prepared by Capital for Life Ltd (Company No. 12976386) for distribution to professional financial advisers, trustees, regulated introducers, and qualified investors only. It does not constitute financial advice, a personal recommendation, or a solicitation to buy or sell any financial product. Capital for Life Ltd | For professional adviser use only · Not for retail distribution · Data verified Q3 2026