What Is Life Insurance Wrapper? 
A life insurance wrapper for all intent and purposes is a structured investment tool which combines investments in funds and life insurance . The insurance wrapper allows the policy holder a choice of which funds they wish to invest in . In lieu of paying premiums the policyholder would pay the assets or funds that he chooses . Since the assets or funds are already paid to the insurance company they would not be attachable by creditors since they would not be considered the policy holders assets and therefor the policy holder would be 100 % protected . 