Typically appropriate for families with $10M+ net worth, concentrated assets (like a business or real estate), or significant estate liquidity needs. Our solutions are tailored for complex financial landscapes.
How is coverage determined at this level?
Coverage is strategically designed around specific liquidity requirements, such as estate taxes, wealth equalization among heirs, business continuity, and trust funding, rather than simple income replacement.
Do you coordinate with my CPA and estate attorney?
Absolutely. Our process is built upon seamless collaboration with your existing advisors to ensure insurance planning perfectly aligns with your trusts, tax strategy, and succession objectives.
What are the key risks to evaluate?
Depending on the chosen strategy, potential risks may include interest rate fluctuations, collateral requirements, underwriting outcomes, and policy performance. We mitigate these through conservative structuring and diligent ongoing monitoring.
What does the process look like?
Our structured approach involves several key phases: initial discovery of your needs, thorough coordination with your advisors, bespoke strategy design, efficient underwriting and implementation, followed by continuous oversight and adjustments.