High-net-worth (HNW) estate plans increasingly rely on life insurance for wealth transfer, liquidity to pay estate taxes, and legacy funding. When insurance policies are owned …
When Advisors Face Competing Loyalties: Tools to Prioritize Client Interests in Insurance Deals
High-net-worth (HNW) estate planning increasingly relies on large life insurance placements to provide estate liquidity, pay taxes, and transfer wealth efficiently. But for advisors in …
Documenting Advisor Recommendations to Withstand Regulatory and Fiduciary Scrutiny
High-net-worth (HNW) estate planning often relies on life insurance to secure liquidity for estate taxes, equalize inheritances, or provide leveraged wealth transfer. In the United …
Governance Frameworks for Family Offices Using Insurance in Estate Planning
In the U.S., family offices increasingly use life insurance as a central tool for wealth transfer, liquidity provision, and tax mitigation. Effective governance frameworks protect …
Ethical Selling and Suitability Standards for Large Life Insurance Transactions
High net worth (HNW) estate planning frequently uses large life insurance policies for wealth transfer, estate tax mitigation, and liquidity. In the United States — …
Fiduciary Duties When Recommending Life Insurance to High Net Worth Clients
Life insurance is a cornerstone tool in high net worth (HNW) estate planning — used for liquidity to pay estate taxes, equalizing inheritances, funding buy‑sell …
Managing Conflicts of Interest: Disclosure Best Practices for High-Value Policy Sales
High net worth (HNW) estate planning often relies on large life insurance policies—single-premium universal life (UL), indexed UL, second-to-die (survivorship) policies, or corporate-owned life insurance …
Practical Guide to Timing Purchases: When Market Conditions Favor Insurance-Based Transfers
Estate planning for high net worth (HNW) clients increasingly uses large life insurance vehicles — survivorship (second-to-die) policies, large universal life (UL) wrappers, and private …
How Reinsurance and Capital Markets Are Changing the Economics of Big Life Policies
High net worth (HNW) estate planning in the United States is undergoing a structural shift. Traditional insurer balance sheets used to be the primary source …
Structuring Life Policies to Minimize Estate Inclusion and Preserve Family Wealth
Life insurance is a cornerstone strategy for high-net-worth (HNW) estate planning. Properly structured, life policies can provide immediate liquidity to pay estate taxes and expenses, …