High-net-worth (HNW) owner-managed businesses in the United States require buy-sell agreements that do more than set a purchase price. They must protect company value, preserve …
Premium Financing for Buy-Sell Policies: When Leverage Enhances Succession Outcomes
When high-net-worth (HNW) owner-managers in the United States structure buy-sell agreements, liquidity is the overriding concern at the moment of an ownership transfer. Premium financing—borrowing …
Real-World Case Studies: Hybrid Policies Used to Protect Multigenerational Wealth
Hybrid life / long-term care (LTC) policies—also called linked-benefit or life-with-LTC riders—are increasingly used by high-net-worth (HNW) families in the United States to protect multigenerational …
When to Choose a Hybrid Policy vs Standalone LTC Insurance for Estate Protection
High net worth (HNW) families in the United States face a dual challenge: protecting multigenerational wealth from catastrophic long-term care (LTC) costs while preserving estate …
Policy Design: Benefit Triggers, Pooling, and Survivor Treatment in Life/LTC Hybrids
High-net-worth (HNW) estate plans increasingly use hybrid life insurance/long-term care (LTC) products to transfer wealth, provide tax-advantaged access to LTC benefits, and protect family liquidity. …
How LTC Riders Impact Estate Planning: Estate Inclusion, Trust Funding, and Liquidity
Long-term care (LTC) risk is one of the largest threats to High Net Worth (HNW) estate plans in the United States. Hybrid life/LTC policies — …
Exit Strategies and Surrender Risks for Hybrid Life/LTC Policies in HNW Portfolios
Hybrid life/long‑term care (LTC) products are a central tool for high‑net‑worth (HNW) estate planners in the United States — especially in high‑cost markets such as …
Combining Hybrids with ILITs and Trusts to Optimize Tax and Medicaid Outcomes
High net worth (HNW) clients in New York, California and Florida increasingly use hybrid life insurance/long‑term care (LTC) policies combined with irrevocable life insurance trusts …
Modeling Long-Term Care Costs and How Hybrid Policies Can Preserve Net Family Wealth
High-net-worth (HNW) families in the United States face a dual challenge: rising long-term care (LTC) costs that can erode multigenerational wealth, and estate-planning rules (income, …
Underwriting Tradeoffs for Hybrids: Age, Health, and Cost Considerations for HNW Clients
Hybrid life/long‑term care (LTC) policies—single‑premium or multi‑pay life policies with accelerated LTC benefits—are increasingly central to high‑net‑worth (HNW) estate planning in the United States. For …