High-net-worth (HNW) owner-managed businesses in the United States commonly use life insurance to fund buy-sell agreements. That approach provides liquidity at death, preserves continuity, and …
Addressing Freeze Transactions and Insurance in Complex Family Business Succession Plans
Succession planning for high net worth (HNW) owner-managed businesses in the United States increasingly combines estate-freeze techniques with insurance-funded buy-sell mechanisms to preserve value, manage …
Cross-Purchase vs Entity-Purchase: Which Insurance-Funded Buy-Sell Works for Your Business?
When a high-net-worth (HNW) owner-manager plans for business succession in the United States, choosing the right insurance-funded buy-sell structure is a cornerstone decision. Two common …
Funding Buy-Sell Agreements with Life Insurance: Best Practices for Business Succession
When high-net-worth (HNW) owner-managers in the United States plan business succession, funding a buy-sell agreement with life insurance is often the most practical, tax-efficient way …
Valuation Triggers and Insurance Coverage: Aligning Policy Design with Succession Events
High-net-worth (HNW) owner-managed businesses require tailored buy-sell planning that links valuation triggers to insurance policy design. In the United States — particularly in hubs like …
Drafting Buy-Sell Agreements for HNW Owner-Managed Businesses: Clauses to Protect Value
High-net-worth (HNW) owner-managed businesses in the United States require buy-sell agreements that do more than set a purchase price. They must protect company value, preserve …
Premium Financing for Buy-Sell Policies: When Leverage Enhances Succession Outcomes
When high-net-worth (HNW) owner-managers in the United States structure buy-sell agreements, liquidity is the overriding concern at the moment of an ownership transfer. Premium financing—borrowing …
Real-World Case Studies: Hybrid Policies Used to Protect Multigenerational Wealth
Hybrid life / long-term care (LTC) policies—also called linked-benefit or life-with-LTC riders—are increasingly used by high-net-worth (HNW) families in the United States to protect multigenerational …
When to Choose a Hybrid Policy vs Standalone LTC Insurance for Estate Protection
High net worth (HNW) families in the United States face a dual challenge: protecting multigenerational wealth from catastrophic long-term care (LTC) costs while preserving estate …
Policy Design: Benefit Triggers, Pooling, and Survivor Treatment in Life/LTC Hybrids
High-net-worth (HNW) estate plans increasingly use hybrid life insurance/long-term care (LTC) products to transfer wealth, provide tax-advantaged access to LTC benefits, and protect family liquidity. …