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 …
Educating Next-Generation Heirs on Policy Management, Trusts, and Long-Term Objectives
High-net-worth (HNW) families in the United States face unique challenges when transferring wealth across generations. Beyond tax optimization, the goal of estate planning for HNW …
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, …
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 …