Target audience: US-based wealth advisors, estate planners, family offices and in-house counsel working with high-net-worth (HNW) clients in New York, California, Florida, Texas and other …
Quantitative Tools for Comparing Insurance vs Other Transfer Vehicles: Sensitivity Analysis
High net worth estate planning increasingly relies on quantitative comparisons between life insurance and alternative transfer vehicles (GRATs, CLT/CLATs, family limited partnerships, premium financing structures, …
Expert Witness and Appraisal Considerations When Insured Interests Are Contested in Probate
High net worth estates in the United States increasingly rely on life insurance as a core wealth transfer and tax mitigation tool. When insured interests …
Modeling Mortality Improvement and Pricing Risk for Long-Term Insurance-Based Strategies
High-net-worth (HNW) estate planning in the United States increasingly relies on long-duration insurance solutions — survivorship (second-to-die) life policies, private placement life insurance (PPLI), and …
Valuing Policy Loans and Cash Values in Estate Inventories: Practical Approaches for Advisors
High-net-worth (HNW) estate planning in the United States often depends on life insurance as a primary vehicle for liquidity, tax mitigation, and wealth transfer. For …
Valuation Issues in Premium Financing: Collateral Mark-to-Market and Stress Testing
Premium financing is a powerful tool for high-net-worth (HNW) estate planning — enabling large life insurance purchases for wealth transfer and tax mitigation without immediate …
Policy Loans, Premium Flexibility, and Managing Cash Value for Long-Term Estate Plans
High-net-worth (HNW) estate plans increasingly rely on permanent life insurance to transfer wealth, provide liquidity for estate taxes, and preserve after‑tax value for beneficiaries. For …
Contingent Beneficiary Design and Spendthrift Clauses: Protecting Inherited Insurance Proceeds
High net worth (HNW) estate plans routinely use life insurance as a tax-efficient, liquid, and flexible vehicle for wealth transfer. For ultra-wealthy households in New …
Rider Cost-Benefit Analysis: Quantifying Tradeoffs for HNW Policy Choices
High-net-worth (HNW) clients use life insurance not only for mortality protection but as a core engine for wealth transfer, liquidity for estate taxes, business succession, …
How Rider Design Can Affect Estate Inclusion, Taxation, and Medicaid Exposure
High-net-worth (HNW) estate planning often uses life insurance to transfer wealth efficiently. Yet, the specific riders and contractual features attached to a policy can materially …