Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How the Ultra-Wealthy Use Captive Insurance for Tax Efficiency
In this episode of The High Net Worth Podcast, Lucas and Luna explore how ultra-wealthy families use captive insurance companies — specifically small, privately-held insurers — to reduce taxable income, build tax-deferred wealth, and cover risks that commercial insurers won't touch. They walk through a real-world example: a family-owned commercial real estate portfolio that self-insures its property liability through a captive based in Vermont, saving roughly $400,000 annually in premiums that would otherwise go to a third-party carrier while also deducting those premiums against the…
The skinny
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