How Ultra-Wealthy Families Use Insurance Deductible Financing

Failed to add items

Sorry, we are unable to add the item because your shopping basket is already at capacity.

Add to cart failed.

Please try again later

Add to wishlist failed.

Please try again later

Remove from wishlist failed.

Please try again later

Follow podcast failed

Unfollow podcast failed

How Ultra-Wealthy Families Use Insurance Deductible Financing

Listen for free

View show details

Episode 120 of The High Net Worth Podcast explores insurance deductible financing, a strategy ultra-wealthy families use to convert high insurance premiums into tax-deductible expenses. Lucas explains how families self-insure by raising deductibles on property and casualty coverage, then fund potential claims through a captive insurance structure. The hosts walk through a concrete example: a family with $50 million in real estate assets saves $200,000 annually in premiums by moving to a $1 million deductible, while the captive premiums become deductible business expenses. Luna questions the IRS scrutiny and setup costs, and Lucas details the due diligence required. The episode also touches on how this strategy pairs with other advanced planning techniques like umbrella coverage and risk retention groups, offering a practical tool for high-net-worth listeners looking to optimize their risk management. #InsuranceDeductibleFinancing #CaptiveInsurance #HighNetWorth #WealthManagement #TaxStrategy #RiskManagement #SelfInsurance #PropertyCasualty #Deductible #PremiumSavings #IRS #AlternativeRiskTransfer #RiskRetentionGroup #UmbrellaCoverage #Finance #Business #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo

No reviews yet