High-End Insurance Planning for Complex Wealth

A Strategic, Planning-First Approach


Our high-net-worth insurance planning specializes in sophisticated life insurance strategies including whole life, indexed universal life (IUL), variable universal life (VUL), premium financing, and private placement life insurance (PPLI). We also provide disability insurance, long-term care planning, and annuity strategies designed to protect your wealth, support tax-efficient legacy planning, and coordinate with your overall financial goals. Insurance products are separate from investment advisory services and are offered through appropriately licensed insurance professionals (CA Insurance License #4101914). All insurance recommendations are based on individual circumstances and product suitability.



Who This Is For


This work is tailored for clients whose insurance decisions are large, complex, or interconnected with business, estate, or executive planning, including:


  • High-income professionals, families and businesses with substantial protection and legacy needs.
  • Business owners needing coordinated personal and business coverage.
  • Families with existing permanent policies, trusts, or large death benefits that require ongoing oversight.
  • Employers offering or considering group and executive benefits.



Advanced Life Insurance Strategies


For clients with more complex situations, life insurance can be designed and structured in advanced ways:


  • Complex permanent life insurance - Whole life, indexed universal life (IUL), and variable universal life (VUL) for long-term protection, potential cash value accumulation, and flexibility around premiums and benefits.
  • Premium financing - Use of third-party lending to help fund large life insurance policies when appropriate, typically for high-net-worth clients, with careful attention to collateral, interest costs, and policy performance.
  • Private placement life insurance (PPLI) - Custom institutional-style life insurance platforms, generally for qualified purchasers and accredited investors seeking tax-advantaged structures with specialized investment options.
  • “Infinite banking” style designs - Structuring certain permanent policies to emphasize cash value access and policy loans as part of a personal or business cash-flow strategy, where suitable.




Income Protection, Long-Term Care, and Annuities


Risk to income, independence, and longevity is addressed through a range of protection strategies:


  • Disability income (DI) insurance - Coverage designed to help protect a portion of income in the event of a qualifying disability, with attention to benefit periods, definitions of disability, riders, and coordination with employer benefits.
  • Long-term care (LTC) planning - Traditional LTC policies and hybrid life/LTC or annuity/LTC solutions to help address the potential cost of extended care, with consideration for inflation protection, benefit periods, and elimination periods.
  • Annuities - Fixed annuities, fixed indexed annuities, and certain income-focused annuity structures aimed at creating predictable income streams or principal protection, depending on product design and client objectives.



Business, Retirement, and Benefit-Oriented Insurance


Insurance can be integrated into business planning, retirement structures, and group benefits:


  • Defined benefit (DB) and defined benefit - style strategies with insurance - Use of life insurance within certain retirement and pension-style designs, where appropriate, to help address protection and legacy goals alongside retirement income planning decisions handled by other professionals.
  • Buy-sell and key person coverage - Life and disability policies used to help fund buy-sell agreements or protect a business from the loss of a key owner, executive, or producer.
  • Group and voluntary benefits - Design and review of employer-sponsored life, disability, and supplemental benefits to support attraction, retention, and protection of employees.



Ongoing Review and Coordination


Because needs, health, and regulations evolve, high-end insurance planning is an ongoing process:


  • Periodic policy reviews - Evaluate coverage levels, premiums, carrier information, performance (where applicable), and alignment with current goals; adjust or replace policies when appropriate.
  • Beneficiary, ownership, and structure updates - Keep ownership arrangements and beneficiary designations current with life events, business transitions, and estate documents.
  • Collaboration with your other professionals - When requested, work alongside your tax and legal advisors so that insurance strategies support your broader financial, estate, and business planning.