A flexible premium universal life solution designed for high-net-worth clients’ estate preservation and wealth transfer needs.
Universal Life Insurance
Universal life insurance solution designed for HNIs clients
High-Net-Worth (HNW) clients across the world can find it difficult to access suitable life protection products to protect their families, businesses and assets.
Universal life insurance can provide a more certain, efficient and personalised source of liquidity to replace income, transfer wealth and ensure efficient business successions. Beyond the death benefit protection, these solutions provide cash accumulation potential in addition to strong guarantees to help meet global estate and legacy planning needs.
Key Benefits
Available to residents in over 150 countries
Access to the worlds largest insurance carriers
Full flexibility; contributions can be single, regular or bank financed
Upside cash value growth with downside protection of minimum guarantees
Policies may be owned by an offshore trust or personal investment company (PIC)
Diverse Universal life Portfolio
Our unique value proposition gives you access to relationships with first-class insurance carriers offering flexible, large sums assured, minimum guaranteed cash value accumulation life insurance and premium financing solutions tailored to high net worth individuals
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Why universal life insurance?
Life insurance is critical for High Net-Worth Individuals (HNIs) to create, protect, and transfer wealth. By developing a clear plan that protects beneficiaries, HNIs can ensure that their families continue to prosper, even in their absence.
Legacy and Succession Planning
Preserve the value of your estate by providing liquid funds for dependents or a spouse, to pay for any taxes, fees or debts outstanding upon death. Life insurance can help create, increase or preserve wealth to ensure fair and equitable distribution of your estate.
Wealth Preservation
Seen as an alternative asset class that has the ability to generate cash in the future, life insurance is one of the few assets with a guaranteed value and predictable cost. It offers value by providing both peace-ofmind now and potential death benefit payments later.
Keyman Protection
In the event of the loss of a key employee, a life insurance policy can provide a business the cash flow it needs to keep it running. The policy provides the cash needed to hire a qualified replacement, purchase the additional human capital or assets necessary to keep operations intact and help replace lost profits.
Charitable Giving
Seen as an alternative asset class that has the ability to generate cash in the future, life insurance is one of the few assets with a guaranteed value and predictable cost. It offers value by providing both peace-ofmind now and potential death benefit payments later.
Inheritance Tax Planning
A life insurance policy can serve to protect your heirs from inheritance tax or property gains tax for assets within your estate. It can also provide income tax benefit through tax- deduction, and in some cases, tax exemption with the right guidance from a qualified tax professional.
Business Continuity
Without a business survival plan, the consequences for a business owner’s employees, customers, family and estate can be devastating. Life insurance can help mitigate these risks by serving as a funding tool for your plan.
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Solution Guide
A flexible premium universal life solution designed for high-net-worth clients’ estate preservation and wealth transfer needs.
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