Captive insurance companies, life insurance and deferred variable annuity (DVA) policies in Liechtenstein, the Cook Islands, Bahamas, and other offshore jurisdictions can be designed for full compliance with U.S. tax laws to maximize tax saving and wealth building advantages. These offshore vehicles generally allow greater flexibility and range of investments than US-based entities. Fees and minimum premium commitments are usually much less than in the U.S. Asset protection is stronger than possible in the United States, especially when an offshore trust owns the assets.