Specialists in Indexed Universal Life and Private Placement Life Insurance for complex international planning
Capital for Life Ltd is an international life insurance advisory, structuring, and education firm specialising in Indexed Universal Life (IUL) and Private Placement Life Insurance (PPLI) for high-net-worth and ultra-high-net-worth clients. We advise on policy design, funding strategy, ownership, and long-term financial planning use, and support advisers, trustees, private banks, and family offices through technical guidance, research, and CPD-certified education. Capital for Life can provide solutions to residents of over 150 countries, where allowable, working exclusively through compliant and regulated channels.
Who We Work With
Capital for Life works with:
- High-net-worth and ultra-high-net-worth individuals and families
- Entrepreneurs and business owners
- Financial advisers and wealth managers
- Trustees and fiduciary firm
- Private banks and family offices
We engage on a selective basis, prioritising complex international cases, long-term policy sustainability, and professional advisory support rather than high-volume retail distribution.
What We Do
Capital for Life advises on the structured use of life insurance within long-term financial and estate planning. Our role is advisory and technical. We do not underwrite insurance policies, manufacture financial products, or provide discretionary investment management. Our work typically includes:
- Policy structure and suitability analysis
- Long-term funding strategy and sustainability assessment
- Ownership and structuring considerations
- Policy loan design and long-term planning use
- Stress-testing policy behaviour across varying market conditions.
Where appropriate, Monte Carlo-based scenario simulations are used to evaluate funding sustainability under different market environments. These are used for scenario analysis, not to forecast or project returns.
Core Insurance Solutions
Indexed Universal Life Insurance (IUL)
We advise on internationally structured Indexed Universal Life insurance for purposes such as:
- Estate and succession liquidity
- Long-term cash value accumulation within defined parameters
- Volatility and sequence-of-returns planning
- Policy loan-based liquidity strategies
IUL is evaluated based on policy mechanics, charges, funding structure, and long-term sustainability, rather than short-term performance projections.
Private Placement Life Insurance (PPLI)
We also advise on Private Placement Life Insurance for qualifying clients. PPLI is individually structured and typically linked to segregated or dedicated investment accounts. It is subject to jurisdictional, regulatory, and insurer criteria, and is generally available to clients with investable assets of approximately USD 10 million or more, depending on structure and jurisdiction.
Other Policy Types
Where appropriate, we also advise on:
- Variable Universal Life (VUL)
- Whole of Life (WOL)
These are considered alongside IUL and PPLI based on suitability, objectives, and jurisdiction.
Policy Funding and Long-Term Planning Use
We advise on policy funding as a core planning variable, including:
- Long-term premium sustainability
- Multi-pay premium structures
- Premium financing versus multi-pay premium comparisons and sustainability
- Policy loan mechanics and long-term planning use
- Stress testing policy behaviour across different market environments
- Funding decisions are assessed over the full life of the policy, not solely at point of illustration.
Education, Training, and Professional Support
Capital for Life designs and delivers CPD-certified education programmes and provides technical support to:
- Financial advisers
- Wealth managers
- Trustees
- Private bankers
Our education is technical, governance-focused, designed to improve long-term outcomes, suitability standards, and professional understanding of complex insurance structures.
Research and Market Insight
We conduct and publish an annual global IUL survey to analyse:
- Real-world client and adviser behaviour
- Funding and liquidity planning trends
- Structural and suitability considerations
This research informs our advisory work and educational programmes and is independent of specific product promotion.
Geographic Scope and Regulatory Position
Capital for Life operates internationally and can provide solutions to residents of over 150 countries, where allowable. Important boundaries:
- Product availability varies by jurisdiction
- Illustrations are not offers for sale
- Implementation occurs only through compliant, regulated channels
- Tax and legal advice is provided by appropriately qualified professionals
What We Do Not Do
For clarity, Capital for Life:
- Does not underwrite insurance policies
- Does not publish product pricing or projected returns
- Does not provide personalised recommendations through public content
- Does not provide jurisdiction-agnostic guidance
- Does not act as an asset manager or discretionary investment providerLeadership
Capital for Life is led by Carlton Crabbe, Chief Executive Officer. The firm’s work reflects nearly 30 years of aggregate specialist experience across international life insurance, structuring, and long-term financial planning. Contact Email: enquiries@capitalforlife.comTelephone: +44 1604 385 110
“Carlton and his team at Capital for Life go above and beyond to help us propose and implement unique retirement and estate planning vehicles for our high net worth clients.
Capital for Life’s suite of product offerings are unique in many ways and lend them themselves to significant generational wealth creation and preservation. I see Capital for Life becoming a larger part of international wealth planning in the future and would recommend them to anyone without reservation”
Drawing upon nearly 30 years of experience, Carlton Crabbe currently leads as CEO of Capital for Life. Previously, Carlton held senior roles at Barclays Private Bank focused on developing their life insurance and financing services. He also worked at Grant Thornton, a leading UK and international tax advisory partnership.
Teaching and Coaching
Based on his first hand experience, Carlton has spent the last 8 years coaching and training financial advisors on various life insurance topics. The coaching focuses on providing advisers with a strong foundation in life insurance concepts, products, and sales strategies. Carlton draws upon his extensive experience in the insurance and wealth management industry to offer real-world examples and insights that advisers can apply in their day-to-day practices. Feedback from our advisers indicates Capital for Life's training has helped them better understand available solutions, gain confidence in client presentations and increase sales. Carlton aims to share his knowledge and experiences to support advisors' professional development while ensuring clients receive the optimal coverage.
Carlton has also authored an online and coaching course for financial professionals, an accredited course by the Certified Certification Service – the world's leading and largest independent assessment body for Continuous Professional Development.
Private Clients
In addition to training financial advisors,Carlton continues to personally advise a handful of ultra-high-net-worth individuals each year. He takes time to understand each client's unique needs and goals, delivering customised solutions tailored to their situations. With nearly 30 years navigating simple to highly complex client cases, Carlton provides insight and solutions into wealth management challenges.
Qualifications
- Chartered Insurance Institute (CII) Member
- Cross Border Life Insurance Advisor – financial representative of Manulife of Canada, Sun Life of Canada and Alpha PPLI, Bermuda and Isle of Man.
- Diploma in Regulated Financial Planning – the Chartered Insurance Institute (2005)
- Advanced Diploma in Financial Planning –the Chartered Insurance Institute (2006)
- Diploma in Broadcast Journalism (2001) British Broadcasting Corporation (BBC
- B.A. (Hons) (1989)
Professional Development
As a seasoned life insurance professional, Carlton prioritises continuous learning and professional development. He dedicates at least 10 hours a week to expanding his domain knowledge by reading industry research, blog posts, insurance contracts, and life policy documentation. This commitment ensures he remains up-to-date on critical life insurance issues and can offer expert guidance to his clients.
Carlton also regularly attends conferences to engage in discussions on life insurance, wealth management, tax, structuring, and estate planning. This proactive approach allows him to deepen his expertise and share his practical knowledge with other industry leaders. His dedication to ongoing education, training and product evaluation positions him as an ethical, authoritative, and knowledgeable resource for individuals and families seeking to financially protect their loved ones and estates.
"Carlton Crabbe and the team at Capital For Life have been an immeasurable asset. Carlton’s experience in structuring solutions for our HNW clients has been a great benefit to our team, and the feedback from our valued clients has been unanimously positive."
"Having worked with Carlton for many years, I saw first-hand the care he took to get to the right solution for clients and how collaborative he was with colleagues. In recent years, he has specialised in offshore planning, notably trusts and life assurance, to an extent that there’s nobody I’m aware of in the industry who knows more about those areas."
"Carlton really stands out as a true expert within the market. Carlton has been instrumental as a trusted advisor to my high-net-worth clients because of his ability to provide specialised and creative life insurance products for retirement and estate planning."
Entrepreneurs selling businesses including to an international beauty care brand, a leading search engine company and other international corporations. Adviser to SME businesses on retirement planning schemes
F1 UHNW individual – tax minimisation strategies
Sport professionals - debt financing and game retirement planning
International bankers and hedge fund managers – tax advantaged strategies
Media presenters – taxation and wealth management planning and the UK government – advising on pension planning
UHNW individuals of a large family-owned business on UK non-domiciled planning
At the heart of our firm is a client-centric approach that places your needs and goals at the forefront of everything we do. We believe that building long-term relationships founded on trust, transparency, and mutual respect is key to achieving shared success.
Our commitment to upholding the highest ethical standards in all our business practices further reinforces this foundation, ensuring your financial well-being is always handled with integrity and care.
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