Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Ultra-Wealthy Families Use Captive Insurance
In this episode of The High Net Worth Podcast, Lucas and Luna explore captive insurance—a sophisticated risk management tool used by ultra-wealthy families to self-insure, reduce premiums, and generate tax-advantaged investment returns. They walk through a real-world example: a family office with a $200 million real estate portfolio that formed a captive to insure against property damage and liability, saving $1.2 million annually in commercial premiums while earning 8% on reserves. Lucas explains the structure, regulatory requirements under IRS Section 831(b), and common pitfalls like the…
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