Wealth Insurance Strategies

Program Description

This module opens the black box of insurance as a strategic instrument. The subject is not traditional policies, but structures designed for post-mortem liquidity, tax deferral and high-level legal protection: key man coverage, PPLI, art insurance, cyber and reinsurance all come to the table.

The journey covers three fronts. Insurance for monetary assets: life policies as vehicles for estate planning, tax deferral and investment, including Private Placement Life Insurance. Insurance for physical assets: yachts, private aviation, collector cars, jewelry, works of art and multi-risk policies for family businesses. And integration into the wealth strategy: a personal and family risk matrix, offshore captives, international reinsurance and the trends already shaping the market for high-net-worth individuals.

Alejandro Legorreta — CEO of AIR, with more than 23 years in the insurance industry and a risk portfolio valued at more than USD 3 billion — leads three Virtual Live sessions that close with comprehensive planning cases across different scenarios: death, disability, litigation and disasters.

General Objective

Understand the advanced insurance strategies employed by high-net-worth individuals and families to protect and optimize their wealth. Upon completion, participants will understand how to integrate sophisticated insurance solutions into financial planning: from life insurance used for estate planning and tax efficiency, to coverage for luxury assets and strategies for managing personal and business risk.

Learning Objectives

• 01Integrate sophisticated insurance solutions into wealth-focused financial planning
• 02Use life insurance for estate planning: liquidity for heirs, coverage of inheritance taxes and tax efficiency
• 03Structure policies as tax-advantaged investment vehicles, including Private Placement Life Insurance (PPLI)
• 04Protect family businesses with Key Person life insurance and multi-risk policies
• 05Insure luxury assets: yachts, private aviation, collector cars, jewelry and works of art
• 06Build a personal and family risk matrix to size the sum insured and the type of coverage
• 07Evaluate insurance captives and international reinsurance for exceptional coverage
• 08Identify trends in insurance for HNWIs: personal cyber insurance, parametric insurance and art with dynamic valuation

Why Take This Program

1. Taught by Alejandro Legorreta, founder and CEO of AIR, with more than 23 years of experience in the insurance industry
2. Faculty with a risk portfolio valued at more than USD 3 billion and close to 6,500 insured clients
3. PPLI, key man, captives and reinsurance: structures rarely explained outside private banking
4. A 360-degree view of wealth insurance: monetary assets, physical assets and liability
5. Coverage of luxury assets: yachts, private aviation, collector cars, high-value horses, jewelry and art
6. A personal and family risk matrix to size the sum insured according to the client's profile
7. Trends for HNWIs: personal cyber insurance, parametric insurance and art with dynamic valuation
8. Case studies of comprehensive planning for death, disability, litigation and disasters
9. Three Virtual Live sessions from 7:00 to 9:00 pm, compatible with an executive agenda
10. A module of the Executive Program in Private Wealth Management, also available as a standalone course

Syllabus — Key Topics

• Life insurance with a savings component for estate planning: inheritance taxes and liquidity for heirs
• Life insurance with savings for tax deferral: structuring investments within policies
• Policies as investment vehicles: Private Placement Life Insurance (PPLI)
• Key Person life insurance: protection against the death of partners or key individuals
• Major medical expenses: premium health coverage for catastrophic illness
• Insurance for personal luxury assets: yachts, private jets, collector cars, jewelry and works of art
• Business insurance: multi-risk policies, industrial assets and business interruption
• Personal and professional liability: protection against lawsuits that threaten the estate
• Personal and family risk matrix: sum insured and type of insurance according to the client's profile
• Insurance captives for business families: efficient offshore self-insurance structures
• Reinsurance and international markets for exceptional coverage
• Trends in insurance for HNWIs: personal cyber insurance, art with dynamic valuation and parametric insurance
• Case studies: life, health and property insurance combined to safeguard the family legacy

Faculty

Alejandro Legorreta — CEO, AIR