Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Family Offices Use Captive Insurance for Risk
In this episode of The High Net Worth Podcast, Lucas and Luna explore the world of captive insurance—a tool increasingly used by ultra-wealthy families to manage risk, cut costs, and gain tax advantages. They break down why a family office might form its own insurance company, using a real-world example of a family with a large commercial real estate portfolio that saved millions in premiums while covering deductibles. The hosts walk through the mechanics, the regulatory hurdles, the IRS scrutiny, and the governance required to make it work. They also touch on the recent IRS crackdown on…
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