High-net-worth (HNW) clients in the United States increasingly rely on the coordinated use of life insurance and trust ownership to (1) preserve liquidity for taxes …
Comparative Case Studies: Hybrid LTC Policies Preserving Wealth Across Different Health Outcomes
High-net-worth estate plans increasingly incorporate hybrid long‑term‑care (LTC) life insurance to preserve liquidity, avoid forced sales of concentrated assets, and replace wealth lost to LTC …
Toolbox for Advisors: Calculators and Templates for Insurance-Based Estate Planning
High-net-worth (HNW) estate planning increasingly uses life insurance as a tax-efficient transfer, liquidity source, and wealth-preservation tool. This practical toolbox targets US-based advisors (New York, …
Build Your Own Scenario: Variables to Test When Planning Insurance-Backed Transfers
High-net-worth (HNW) estate planning often relies on life insurance to provide liquidity, equalize inheritances, and mitigate estate taxes. But the difference between a plan that …
PPLI Case Study: How Alternative Asset Wrappers Changed Tax and Growth Outcomes
Private Placement Life Insurance (PPLI) has become a core tool for high-net-worth (HNW) estate planning—especially for clients in New York City, San Francisco, Los Angeles, …
Stress Scenarios and What-Ifs: How Interest Rates, Mortality, and Policy Performance Affect Plans
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. …