Work With Alpina Legacy

A structured co-advisory programme for lawyers, trustees, private bankers, independent financial advisors, and family offices.

Most of our client engagements originate through professional introducers — attorneys advising on cross-border estates, trustees identifying planning gaps, private bankers seeking specialist insurance structuring, and independent advisors serving internationally mobile families. We have built our platform to make the co-advisory relationship seamless, compliant, and commercially transparent.

Who We Work With

  • Private client lawyers and tax attorneys — advising HNW individuals or families on cross-border estate, succession, or pre-immigration matters where PPLI is a structuring tool rather than a standalone product
  • Independent trustees and fiduciaries — managing trusts or foundations where insurance-based liquidity, asset protection, or estate distribution is under consideration
  • Private bankers and relationship managers — serving clients who require PPLI as a complement to a broader banking relationship, without conflict of interest
  • Independent financial advisors (IFAs) — licensed intermediaries in their own right who require a specialist PPLI partner for complex cross-border mandates beyond their own carrier access
  • Multi-family offices — coordinating insurance structuring across a client base where in-house PPLI expertise or carrier relationships are not available
  • M&A and corporate advisors — advising founders or shareholders on pre-liquidity or pre-IPO structuring where PPLI is relevant to the post-exit wealth planning

The Co-Advisory Model

Alpina Legacy acts as the specialist insurance intermediary. The introducing advisor retains the primary client relationship and continues to provide legal, tax, or investment advisory services within their own licensed remit. We do not seek to displace the introducing advisor or cross-sell additional services to their client without explicit agreement.

The engagement structure is as follows:

Initial Referral

Introducer submits a preliminary client profile. We assess structural suitability within 48 hours and revert with a non-binding indication.

Joint Review

We present a structural analysis jointly with the introducer. Client confidentiality is maintained throughout. The introducing advisor is present at all client-facing stages.

Placement & Execution

Alpina Legacy manages carrier selection, policy documentation, underwriting, and issuance. The introducer is copied on all material correspondence.

Ongoing Service

Policy servicing, compliance monitoring, and annual reviews are handled by Alpina Legacy. The introducer is notified of material policy events.

Fee Transparency & Remuneration

Alpina Legacy receives remuneration from the issuing insurance carrier in the form of intermediary commission, which is disclosed to the client in accordance with applicable regulations. Where an introduction fee or revenue-sharing arrangement is agreed with an introducing advisor, this is documented in writing prior to any client contact, structured to comply with the regulatory framework applicable to both parties in their respective jurisdictions, and disclosed to the client as required by applicable law.

We do not operate undisclosed kickback arrangements. All co-advisory fee structures are agreed in advance, in writing, and subject to the anti-inducement and conflict-of-interest rules applicable in each jurisdiction — including MiFID II equivalents, the Insurance Distribution Directive, the SFC Code of Conduct, and the Insurance Ordinance (Cap. 41).

What We Bring to the Partnership

  • Multi-carrier access — relationships with 10+ PPLI carriers across Singapore, Luxembourg, Liechtenstein, Isle of Man, Mauritius, Ireland, Bahamas, Cayman Islands, and Barbados, enabling domicile selection based on client profile rather than single-carrier constraints
  • Technical depth — in-house expertise covering IRC 7702 / PFIC analysis for US persons, PRC IIT/CGT implications, pre-immigration timing, HK SFO interaction, and IDIS structures
  • Multilingual capability — teams operating in English, Mandarin, Cantonese, French, Spanish, and German across 8 offices, covering the majority of cross-border client profiles
  • Regulatory standing — registered as a licensed intermediary with FINMA (Switzerland), ORIAS (EEA), and the Insurance Authority of Hong Kong + the US, with intermediation licences across 34 jurisdictions
  • Confidentiality — strict information barrier protocols between client engagements; no cross-referencing of client data between introducer relationships

Enquire About a Co-Advisory Arrangement

For professional enquiries only. Please include your firm name, jurisdiction, and a brief description of the client profile or engagement type.

Contact Our Partnership Team