High net worth (HNW) individuals in the United States use life insurance and trusts as core tools to transfer wealth, provide liquidity, reduce estate-tax exposure, …
How Insurance Fits into a Holistic HNW Estate Plan: Liquidity, Control, and Taxes
High net worth (HNW) estate plans require precision: matching liquidity needs, maximizing control over wealth transfer, and minimizing tax leakage across federal and state levels. …
Informational Guide: How Insurance Reduces Estate Tax Exposure for High Net Worth Families
Estate taxes can materially erode multigenerational wealth. For high net worth (HNW) families in the United States, life insurance is a cornerstone tool to create …
Life Insurance, Trusts, Beneficiaries: Foundational Guide for HNW Estate Planning
High-net-worth (HNW) estate plans rely heavily on life insurance, trusts, and deliberate beneficiary design to preserve wealth, provide liquidity, and mitigate estate taxes. This guide …
Choosing Beneficiary Structures for High Net Worth Estate Plans: Insurance Considerations
High net worth (HNW) individuals in the United States rely on life insurance not only for replacement income but as a strategic vehicle for wealth …
Insurance Essentials for HNW Clients: Comparing Term, Permanent, and Trust Solutions
High-net-worth (HNW) individuals in the United States use life insurance not just for income replacement, but as a strategic tool for wealth transfer, estate-tax mitigation, …
Key Insurance Concepts Every Advisor Must Know for High Net Worth Estate Planning
High net worth (HNW) estate planning requires precision: maximizing wealth transfer, preserving family control, and minimizing estate and income tax exposure. Insurance is one of …
After the Insured’s Death: ILIT Administration, Tax Filings, and Beneficiary Coordination
Irrevocable Life Insurance Trusts (ILITs) are a core tool for high net worth (HNW) estate plans that use life insurance to transfer wealth while mitigating …
Funding Strategies for ILITs: Premium Payments, Gifts, and Trust Treasury Options
Irrevocable Life Insurance Trusts (ILITs) are a central tool for high-net-worth (HNW) estate planning in the United States. Properly funding an ILIT determines whether the …
When an ILIT Is Not Right: Alternatives and Hybrid Trust Solutions for HNW Families
High net worth (HNW) families use Irrevocable Life Insurance Trusts (ILITs) to keep large life insurance proceeds out of the insured’s taxable estate and to …