Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Ultra-Wealthy Families Use Captive Insurance for Tax and Risk
In this episode of The High Net Worth Podcast, Lucas and Luna explore captive insurance — a sophisticated risk-financing tool that ultra-wealthy families use to slash premiums, retain underwriting profits, and generate significant tax deductions. Using a concrete example of a $50 million family office, they walk through how a captive works, the IRS requirements (like 831(b) tax elections), and why captives have become the fastest-growing alternative risk transfer vehicle among high-net-worth families. They also touch on the 2026 regulatory landscape, including recent IRS scrutiny and the…
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