Layer umbrella and excess policies for $5M–$50M liability coverage at $500–$5K/yr.
Personal umbrella from Chubb, PURE, AIG Private Client stacks over auto + homeowners up to $5M for ~$500–$1,500/yr. Excess liability layers above that (another $10M–$45M) at ~$200–$500/mm. Cheap protection against catastrophic lawsuits (auto fatality, dog bite, teen driver, pool). UHNW usually pair with LLC/trust asset protection.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Overfund whole life, borrow against cash value at 5–6%, arbitrage into real estate.
Overfund IUL to MEC line — tax-free retirement income via policy loans.
Business pays premium, executive gets death benefit — pennies on the dollar of tax exposure.
Wrap hedge funds/PE inside a tax-free life policy — no LTCG, no ordinary income.
Borrow at SOFR+1.5% to pay life insurance premiums, arbitrage against policy crediting.
Business pays deductible premiums to owner-controlled captive — up to $2.85M/yr tax-free receipts.
Take higher deductibles on rarely-claimed policies; pocket the premium savings.
Company-owned life on a critical exec — cash value grows tax-deferred, death benefit tax-free.