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Life insurance can play an important role in estate planning by providing liquidity, helping fund estate tax obligations, supporting wealth transfer strategies, and protecting illiquid assets from a forced sale. Explore insights on estate liquidity, irrevocable life insurance trusts (ILITs), gifting strategies, premium financing, and other life insurance strategies for high-net-worth families.
For many high-net-worth individuals and families, the decision to acquire life insurance is relatively straightforward. The more nuanced question is how to...
For many high-net-worth families, determining whether premium financing life insurance is worth it begins with a broader estate planning question: how will...
Estate liquidity planning is often assumed to be complete once trusts are drafted and life insurance is in place. On paper, everything looks organized. But...
The federal lifetime gift and estate tax exemption has been one of the most discussed planning topics of the past several years. For affluent families, it has...
A sophisticated estate plan can accomplish exactly what it was designed to do — and still encounter a serious liquidity problem. Trusts may be properly...
For many affluent families, estate planning feels complete. Trusts are drafted, assets are titled, beneficiary designations are in place, and advisors are...
Making a substantial lifetime gift can reduce a family's future taxable estate, but it also raises an important question: What happens if the family later...
This case study is hypothetical and is provided for educational and illustrative purposes only. Individual circumstances, tax considerations, and life...
Updated September 14, 2026 to reflect current estate tax exposure and planning considerations. An irrevocable life insurance trust, often called an ILIT, can...