Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Family Offices Use Insurance Wrappers
Wealthy families are increasingly using insurance policies as sophisticated wealth management tools rather than just death benefits. Lucas and Luna break down how variable universal life and indexed universal life policies function as tax-deferred asset wrappers for high net worth individuals. They examine the mechanics of policy loans, the risks of lapse, and why this strategy works best for those with excess liquidity already outside their taxable estates. This episode explores the specific structural advantages and the hidden costs that often get overlooked in standard financial planning…
The skinny
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