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The life insurance policy with an open architecture of investment opened through a foreign insurer has two different abbreviations: ULIP (Unit Linked Insurance Plan) and PPLI (Private Placement Life Insurance). Both have significant differences in the technique of execution, and therefore the real advantages and disadvantages for the investor. Before comparing these insurance programs note that ULIP and PPLI do not have much in common with the Russian counterparts of solutions such as investment life insurance and endowment life insurance