Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Ultra-Wealthy Families Use Insurance Deductible Financing
Episode 120 of The High Net Worth Podcast explores insurance deductible financing, a strategy ultra-wealthy families use to convert high insurance premiums into tax-deductible expenses. Lucas explains how families self-insure by raising deductibles on property and casualty coverage, then fund potential claims through a captive insurance structure. The hosts walk through a concrete example: a family with $50 million in real estate assets saves $200,000 annually in premiums by moving to a $1 million deductible, while the captive premiums become deductible business expenses. Luna questions the…
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