Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Wealthy Families Use 831b Captives for Tax Efficiency
In this episode of The High Net Worth Podcast, Lucas and Luna explore Section 831(b) captives — small insurance companies that high-net-worth families use to self-insure risks and create significant tax advantages. They break down the structure using a concrete example: a family-owned manufacturing business that pays $500,000 in annual premiums to its own captive, deducting those premiums while the captive's investment income grows tax-deferred. The hosts explain the legal requirements, common pitfalls from IRS scrutiny, and why captive feasibility studies matter. They also discuss how…
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