My first introduction to private placement insurance products came in 1996 when I met a husband and wife team that were involved in the first iteration of Scottish Annuity and Life Insurance (SALI). When I went to work for Deloitte and Touche, I did freelance work for them writing fiduciary due diligence reports for life insurance trusts. During this time, I became better acquainted with private placement insurance products. I had an opportunity to go to work in the private placement life insurance (PPLI) marketplace on a full time basis in 1999 when I went to work with Mass Mutual.