Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Ultra-Wealthy Families Use Captive Insurance for Tax Deductions and Risk Transfer
In episode 75 of The High Net Worth Podcast, Lucas and Luna explore captive insurance companies — a powerful but often overlooked tool ultra-high-net-worth families use to self-insure risks, claim tax-deductible premiums, and invest reserves tax-deferred. They focus on a concrete case: a family-owned real estate portfolio worth $200 million that set up a 831(b) captive in Vermont to cover property damage and liability risks, saving roughly $1.2 million annually in premiums versus commercial insurance while building a reserve pool that grows at 6-8% tax-free. The hosts break down how captives…
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