High-net-worth (HNW) estate plans routinely use life insurance as a liquidity and wealth-transfer tool. But federal law doesn’t uniformly shield insurance from creditor claims — …
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Coordinating Liability Insurance, Umbrellas, and Life Policies for Comprehensive Risk Management
High net worth (HNW) families in the United States face concentrated liability and estate risks that standard insurance programs and simple ownership structures often cannot …
Designing Ownership to Shield Policies from Lawsuits, Divorce, and Business Claims
High-net-worth (HNW) clients in the United States increasingly use precise ownership design and insurance architecture to keep life insurance, annuities, and other policy-value assets out …
Creditor Protection and Structured Ownership: How Trusts and Policies Work Together
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 …