In the U.S., family offices increasingly use life insurance as a central tool for wealth transfer, liquidity provision, and tax mitigation. Effective governance frameworks protect …
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Insurance
Ethical Selling and Suitability Standards for Large Life Insurance Transactions
High net worth (HNW) estate planning frequently uses large life insurance policies for wealth transfer, estate tax mitigation, and liquidity. In the United States — …
Fiduciary Duties When Recommending Life Insurance to High Net Worth Clients
Life insurance is a cornerstone tool in high net worth (HNW) estate planning — used for liquidity to pay estate taxes, equalizing inheritances, funding buy‑sell …
Managing Conflicts of Interest: Disclosure Best Practices for High-Value Policy Sales
High net worth (HNW) estate planning often relies on large life insurance policies—single-premium universal life (UL), indexed UL, second-to-die (survivorship) policies, or corporate-owned life insurance …
Practical Guide to Timing Purchases: When Market Conditions Favor Insurance-Based Transfers
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 …
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, …