Why Protection is Power

Wealth brings opportunity—and responsibility. For high-net-worth families, proper planning isn't just about growth. It's about protection. Protection for your heirs, your business, your values, and your legacy.

At Sisu Insurance, we work with successful individuals and families who understand the value of thoughtful, strategic insurance planning. This guide outlines five essential strategies that can help you safeguard what you’ve built—and ensure it endures for generations.

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Use Life Insurance to Provide Estate Liquidity

The assets you leave behind may be valuable—but they’re not always liquid. Estate taxes, final expenses, and legal fees can put pressure on your family to sell properties or businesses quickly, often at a loss. A properly structured life insurance policy can provide immediate liquidity upon death—helping your heirs pay taxes and other obligations without sacrificing long-term value. Life insurance offers a tax-efficient, timely source of cash when it’s needed most.

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Fund Buy-Sell Agreements with Insurance

If you own a business, succession planning is critical. A buy-sell agreement ensures your partners or heirs know what happens to your share of the business in the event of death or disability. When funded with life and disability insurance, these agreements allow for a smooth transition—providing your family with fair compensation and your business with continued stability. Without proper funding, even the best agreement can fall short.

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Consider an ILIT (Irrevocable Life Insurance Trust)

High-net-worth families often face estate tax exposure. Placing life insurance inside an ILIT keeps the death benefit outside of your taxable estate, ensuring more of your wealth passes to your heirs, not the IRS. ILITs also allow for control—letting you specify how and when your beneficiaries receive funds. Strategy meets structure: an ILIT makes your insurance even more powerful.

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Plan for Long-Term Care Costs

Most families underestimate the true cost of extended care—and overestimate what Medicare covers. Planning ahead with a hybrid life/long-term care policy or traditional LTC insurance protects both your independence and your family’s financial stability. Long-term care planning is a gift: it protects your loved ones from difficult decisions and unexpected costs.

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Coordinate with Legal & Tax Advisors

Insurance should never exist in a vacuum. The best outcomes happen when your insurance strategy is aligned with your estate plan, tax planning, and overall financial goals. We collaborate with your attorneys, CPAs, and other trusted advisors to ensure your plan works in harmony. Great planning is a team effort—and we bring the grit to help lead it forward.

Ready to Review Your Plan?

If you’re not sure whether your current insurance strategy still aligns with your goals, let’s talk. We offer confidential, objective reviews of existing policies and help identify new opportunities based on your evolving needs.