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, …
Succession Planning Meetings: How to Present Insurance Strategies to Family Stakeholders
When advising high-net-worth (HNW) families in the United States, succession planning meetings must translate complex insurance structures into clear, actionable choices that align with family …
Aligning Beneficiary Communication with Family Governance to Reduce Conflict After Death
Effective alignment of beneficiary communication and family governance is a central pillar of high net worth (HNW) estate planning — especially when life insurance is …
Competition Among Lenders: How Financing Terms for Premium Loans Are Evolving
Premium financing remains a cornerstone strategy for high net worth (HNW) estate planning in the United States. As wealthy families pursue large life-insurance-based wealth transfers …
Predicting the Next Wave of Product Features That Will Appeal to Ultra-HNW Clients
High Net Worth estate planning in the United States is increasingly using life insurance as a wealth-transfer and tax-mitigation tool. As advisors in New York, …
Market Dynamics Driving Demand for PPLI and Alternative Policy Wrappers
High-net-worth (HNW) families and their advisors in the United States increasingly use life insurance wrappers—especially Private Placement Life Insurance (PPLI)—to achieve estate transfer goals, tax …
Using Cash-Value Life Insurance for Tax-Deferred Growth and Efficient Inheritance
Cash-value life insurance (whole life, universal life, indexed universal life, and variable life) is a core tool for high-net-worth (HNW) estate planning in the United …
Explaining Insurance-Based Estate Plans to Heirs: Conversation Scripts and Templates
High-net-worth (HNW) families in New York, California, Texas, and Florida increasingly use life insurance and insurance-wrapped strategies to create liquidity, fund estate taxes, preserve family …
Practical Guide to Funding Inheritances with Life Insurance for Ultra-HNW Estates
Life insurance is a cornerstone for ultra–high-net-worth (UHNW) estate planning in the United States. When properly structured, life insurance provides liquidity, income‑tax‑efficient wealth transfer, and …
How Rising Interest Rates and Mortality Improvements Are Reshaping HNW Life Insurance Pricing
High net worth (HNW) estate planning in the United States increasingly relies on life insurance to transfer wealth, fund estate taxes, and finance philanthropic goals. …