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Christopher Reams Sr
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Christopher Reams Sr   My Press Releases

High Net Worth Life Insurance Wealth and Asset Protection

Published on 1/8/2019
For additional information  Click Here

High Net Worth Life Insurance Wealth and Asset Protection

High Net Worth Life Insurance Wealth and Asset Protection


Advanced Insurance Resources


Life insurance is a resource that everyone can benefit from. Regardless of financial situations, life insurance can save a family, thousands or millions in financial ruins. Self-insured is a term used by high net worth business owners, claiming to have financial backing in case of a tragic occurrence. An early death has no time or age limit. High net worth business owners must account for income, mortgage, education, medical expenses, business debts and funeral cost.


Every business require financing for business operations. A business require money for payroll, marketing, bills, customer accounts and more. Can your business survive or continue to feed your family should the main owner die early? Can you spouse and children survive off investments alone?


Most high net worth business owners purchase multimillion-dollar homes and luxury cars. Mortgages and cars typically are paid monthly within a one or two person household. What happens if a spouse die early leaving one income? Or a spouse pass on leaving a spouse with no income? Can one spouse handle car and mortgage payments sufficiently?


Colleges and Universities average $20k in education expenses alone. The $20k is an average of in state tuition, books, room and board costs. Out of state tuition typically double per state. Can your spouse finance college tuition should you die early?


Claiming to be self-insured is amazing. Being self-insured is a blessing many can’t afford. What happens when a major illness or accident occur? Medical expenses can accrue to $300k and higher? Are you able to pay medical expenses without decreasing the family’s bottom-line? Death may also occur from a major injury or sickness. Funeral and medical expenses can cause financial ruins crippling many households claiming “self-insured.”


Term life insurance is an excellent financial resource to protect wealth and assets.


·        Term life insurance is an adjustable product for increasing and decreasing depending on your family’s financial status. Maybe your net worth is 4 million dollars. You can purchase a term policy for 8 million. And decrease the 8 million as bills decrease and kids become financially independent. 

·        Term life insurance is a non-cash accruing product keeping premiums affordable for high net worth families.

·        Protecting your wealth and assets is the purpose of term life insurance.

·        As expenses decrease overtime your need for term life insurance will decrease.

·        Term Life insurance proceeds aren’t taxable when the life insurance is paid out in full following a death. In other words, should a spouse die and the policy face amount of $8 million is paid out, no tax payments are required on the $8million.

·        Depending on your family’s wealth, asset and expenses, one can purchase a term policy for a specific time period, ten to thirty years.

·        Return of premium is a popular feature for high net worth customers. Once the policy has reached it's specific time frame, a customer can opt to have all premiums returned. Therefore, you regain all premiums paid during the term life insurance policy period.


Many high net worth business owners invest and save in high interest accounts. Stock market, money market, annuities, IRA’s and more. Finding a savings vehicle isn’t the mission, protecting your savings, and assets is the mission. Term life insurance is perfect back up plan for high net worth families. Protect your wealth and assets should an early death occur. More imporantly, protect your family.

Should you have questions, please contact me here.


Christopher Sr.

Advanced Insurance Resources

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