High-net-worth (HNW) families in New York, California, and Florida increasingly use hybrid life insurance / long‑term care (LTC) structures to preserve legacy wealth, access tax-favored …
Regulatory and Valuation Issues When Using Life Insurance for Charitable Giving
High-net-worth estate planning increasingly uses life insurance as a lever for charitable goals. Whether funding Charitable Lead Trusts (CLTs), Charitable Remainder Trusts (CRTs), split-interest arrangements, …
Case Studies: High-Impact Philanthropy Funded Through Life Insurance for HNW Donors
High-net-worth (HNW) donors in the United States increasingly use life insurance to multiply charitable impact, preserve family wealth, and reduce estate tax exposure. This article …
Timing Gifts, Premiums, and Trust Payouts: Tactical Guide to Insurance-Funded Philanthropy
Estate planning for high-net-worth (HNW) individuals increasingly uses life insurance to amplify charitable giving while managing estate tax, liquidity, and multigenerational goals. This tactical guide …
Designing Insurance-Backed Charitable Plans to Maximize Deductions and Preserve Family Wealth
High-net-worth estate planning increasingly uses life insurance to amplify charitable intent while optimizing tax outcomes and preserving family liquidity. This article focuses on practical, USA-focused …
Naming Charities as Policy Beneficiaries: Legal, Tax, and Practical Considerations
High net worth (HNW) estate planning frequently uses life insurance to fund charitable intentions while preserving wealth for heirs. Naming charities as beneficiaries of life …
Split-Interest Strategies: How Insurance Can Leverage Multigenerational Philanthropy
High-net-worth (HNW) families in the United States increasingly combine split-interest charitable vehicles (Charitable Lead Trusts — CLTs, Charitable Remainder Trusts — CRTs, and other split-interest …
Charitable Lead Trusts Funded by Life Insurance: Estate-Tax Reduction and Legacy Planning
High-net-worth (HNW) families in the United States increasingly combine charitable lead trusts (CLTs) with life insurance to accomplish three parallel goals: reduce taxable estate, sustain …
Charitable Remainder Trusts vs Insurance Gifts: Comparing Income and Estate Tax Benefits
High–net‑worth donors and their advisors frequently evaluate Charitable Remainder Trusts (CRTs) and insurance‑based charitable gifts when designing wealth‑transfer and tax‑efficient philanthropic plans. This article compares …
Amplifying Philanthropy: Using Life Insurance with CLTs and CRTs for HNW Charitable Goals
High-net-worth (HNW) donors based in the United States—from New York City families to tech founders in the San Francisco Bay Area, private bankers in Palm …