Insurance Planning
Within a holistic wealth architecture, insurance serves not only as a protection tool but also as an effective instrument for asset isolation, tax optimization, and intergenerational succession. When coordinated with trusts, equity holdings, and inheritance planning, high-net-worth insurance strategies can support cross-border settlements, long-term value preservation, and orderly wealth transfer—enhancing both stability and flexibility of family assets.IVYE GROUP offers tailored insurance advisory services for high-net-worth families, covering life, health, critical illness, and succession-related policies. By aligning with each client’s identity structure, asset composition, and legacy objectives, we help build resilient, secure, and liquid wealth protection frameworks.
✅ Scope of Insurance Planning Services
- High-net-worth life insurance solutions
- Global medical and critical illness coverage design
- Integrated succession planning combining insurance and trust structures
📍 Insurance Planning Workflow
- Review client’s existing asset and family responsibility structures
- Assess potential risks in health, income security, and long-term care
- Identify opportunities for insurance integration in wealth succession and tax exposures
- Recommend term and whole-life/variable life insurance to match legacy amounts and time horizons
- Evaluate feasibility of using policies for asset isolation, offshore settlements, and tax-free returns
- Design trust or holding structures anchored around policies to ensure clear beneficiary arrangements
- Plan coverage for domestic and international medical needs through premium healthcare networks
- Design comprehensive protection against cancer, major organ illnesses, and accidents
- Provide tailored medical protection for key family members and senior executives
- Incorporate policies into trust frameworks for designated beneficiaries and clear control mechanisms
- Align with succession plans or philanthropic goals as part of intergenerational wealth transfer
- Optimize policy cash value within tax-efficient pathways based on jurisdictional rules
- Conduct regular reviews to ensure insurance strategies remain aligned with family wealth and risk dynamics
- Support policy-related transactions such as loans, withdrawals, and claims documentation
- Monitor insurer updates to ensure seamless global access and continuity of service
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