PPLI · Blended Charging Calculator

CFL Conduit | Done with You

Model the all-in blended cost of an Alpha PPLI policy through the CFL Conduit, add the adviser's own remuneration, and project the enterprise value of the relationship over time.

Premium (policy value)
$5,000,000
Tier: $5m – $10m
$2m$50m
Adviser remuneration
Adviser initial fee
= $25,000
Adviser annual fee
= $25,000
Enterprise value projection
Annual growth of policy value
Projection period
Blended charges
Alpha + CFL Conduit + Adviser
Initial (one-off)
Alpha (0.50%)
$25,000
CFL Conduit (0.25%)
min $5,000
$12,500
Adviser
$25,000
Blended
1.25% · $62,500
Ongoing (each year)
Alpha (0.30%)
+ $1,800 fixed
$16,800
CFL Conduit (0.10%)
$5,000
Adviser
$25,000
Blended
0.90% + $1,800 · $46,800
≈ 0.936% all-in at this premium
Adviser Enterprise Value
$1,049,887
over 20 years
Initial $25,000 + growing trail $1,024,887
5% $852k
7% $1.05m
9% $1.30m
Year 1 annual fee
$25,000
Year 20 annual fee
$90,413
Cumulative trail
$1,024,887
Total enterprise value
$1,049,887
Cumulative adviser revenue
Notes & assumptions
  • —Bands are lower-inclusive: exactly $5m / $10m / $15m / $25m sit in the higher band.
  • —Premium $25m+ is case-by-case; Alpha and CFL charges are bespoke.
  • —The $5,000 CFL Conduit minimum only binds below $2m of premium.
  • —Alpha's $1,800 fixed annual fee and any AMC / wrapper costs are excluded from enterprise-value figures.
  • —Everything Alpha and CFL charge is also excluded from EV — adviser remuneration only.
  • —Growth is an illustration, not a guarantee. Values may fall as well as rise.
  • —All amounts in USD. Indicative only — verify all figures before use with a client or counterparty.

For professional adviser use only — not for distribution to retail clients.

Regulatory Disclosure

This calculator is an indicative professional modelling tool. Figures shown are illustrative and are not a quote, offer, or advice. All amounts assume USD unless otherwise stated. Alpha PPLI, the CFL Conduit fees, and the $1,800 fixed Alpha fee shown here are subject to change by the underlying providers. Adviser remuneration modelled is user-supplied. Values may fall as well as rise; growth is an illustration, not a guarantee.

Capital for Life Ltd is regulated by FINMA (F01309072), SO-FIT (1260), and ARIF (32974).

PPLI · Blended Charging
CFL Conduit | Done with You
Premium $5,000,000 · Tier $5m – $10m
Capital for Life
Initial (one-off)
Alpha (0.50%)$25,000
CFL Conduit (0.25%, min $5,000)$12,500
Adviser$25,000
Blended1.25% · $62,500
Ongoing (each year)
Alpha (0.30% + $1,800)$16,800
CFL Conduit (0.10%)$5,000
Adviser$25,000
Blended0.90% + $1,800 · $46,800
≈ 0.936% all-in at this premium
Adviser Enterprise Value
$1,049,887
over 20 years · growth 7.0% p.a.
Initial $25,000 + growing trail $1,024,887
Year 1 annual
$25,000
Year 20 annual
$90,413
Cumulative trail
$1,024,887
Total EV
$1,049,887
Cumulative adviser revenue
0m0.52m1.05mYr 1Yr 11Yr 20
Notes & assumptions: bands are lower-inclusive; premium $25m+ is case-by-case; the $5,000 CFL Conduit minimum only binds below $2m; Alpha's $1,800 fixed annual fee and any AMC / wrapper costs are excluded from the enterprise-value figures, as is everything Alpha and CFL charge. Growth is an illustration, not a guarantee — values may fall as well as rise. All amounts USD. Indicative only — verify figures before use with a client or counterparty.
For professional adviser use only — not for distribution to retail clients.
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