High-net-worth estate plans that rely on life insurance, premium financing, and insurance wrappers (ILITs, PPLI, survivorship policies) are highly sensitive to three core variables: interest …
Modeling Estate Tax Outcomes: Insurance vs Gifting — A Side-by-Side Case Study
High-net-worth estate planning often pivots on two powerful tools: life insurance (typically owned by an Irrevocable Life Insurance Trust — ILIT) and lifetime gifting. This …
Premium Financing Stress Test: Real-World Scenario Analysis for a $50M Estate
High-net-worth families in New York City, San Francisco, and Houston increasingly use life insurance funded through premium financing to create liquidity for estate taxes and …
Buy-Sell Insurance Modeling: Valuation Triggers and Liquidity Timing Examples
High-net-worth business owners in the United States often use life insurance to fund buy-sell agreements that preserve continuity, provide liquidity to heirs, and mitigate estate …
Quantifying Net-Family-Wealth Impact of ILITs: A Step-By-Step Financial Model
High-net-worth estate planning increasingly relies on life insurance held in an Irrevocable Life Insurance Trust (ILIT) to provide liquidity, neutralize estate taxes, and preserve net-family-wealth. …
Survivorship Policy Modeling: When Second-to-Die Coverage Beats Single-Life Solutions
High-net-worth estate plans frequently use life insurance to provide immediate liquidity for estate taxes, equalize inheritances, and fund trusts. For many U.S. households — particularly …
Valuing Life Insurance Interests for Estate Tax Purposes: Methods and Pitfalls
Accurate valuation of life insurance interests is essential for high-net-worth estate planning in the United States. Misvaluation can trigger IRS challenges, state estate tax assessments …
Case Study: How a Multidisciplinary Team Successfully Implemented a $100M Insurance Plan
Content pillar: Choosing Advisors, Due Diligence & ImplementationContext: High Net Worth Estate Planning — using insurance for wealth transfer and tax mitigationGeographic focus: New York …
Vendor Selection for PPLI and Premium Financing: What to Probe During RFPs
High-net-worth (HNW) families in the United States use Private Placement Life Insurance (PPLI) combined with premium financing to achieve tax-efficient wealth transfer, asset segregation, and …
Operational Governance: Monitoring Policies, Loans, and Trust Compliance Over Time
High-net-worth (HNW) estate plans that use life insurance, Private Placement Life Insurance (PPLI), and premium financing deliver powerful wealth-transfer and tax mitigation benefits — but …