How is life insurance used in estate planning?

Life insurance can provide liquidity for estate taxes and expenses, support wealth-transfer strategies, equalize inheritances, and help preserve assets for beneficiaries.

Can life insurance protect a business?

Yes. Businesses may use life insurance for key-person protection, buy-sell funding, succession planning, executive benefits, or protection against the loss of an essential owner or employee.

Are existing life insurance policies reviewed?

Yes. A policy review can evaluate ownership, beneficiaries, funding, performance, guarantees, costs, and whether the coverage still supports the intended personal or business objective.

Life Insurance

Life insurance as a strategic planning tool.

For high-net-worth individuals and business owners, life insurance isn't just protection — it's a sophisticated financial planning instrument. Estate tax mitigation, key person protection, buy-sell funding, and executive benefits all begin with the right structure.

Call (800) 755-3469

Estate Planning

$10M+

Estate threshold

Key Person

Revenue

Impact aligned

Buy-Sell Funding

Agreed

Fair valuations

Executive Benefits

SERPs

Split-dollar

Survivorship

Joint-Life

Tax liquidity

Trust-Owned

ILIT

Estate exclusion

Beyond Traditional Coverage

Your life insurance should work as hard as you do.

Most life insurance policies are purchased without considering the broader financial picture. At Neil Jesani Risk Management, we structure life insurance within the context of your estate plan, business succession strategy, and tax objectives.

Our advisors understand both the insurance and tax implications of your decisions, ensuring your strategy is optimized from every angle.

Misaligned coverage

Policies purchased in isolation often conflict with estate plans, trust structures, and business succession agreements — creating costly gaps.

Tax inefficiency

Without proper structuring, life insurance proceeds can trigger unnecessary estate taxes, income taxes, or generation-skipping transfer taxes.

Carrier complacency

Most policies are never re-evaluated after purchase. Carrier ratings change, products improve, and pricing shifts — your policy should keep up.

Strategic Solutions

Advanced life insurance strategies

Select a strategy to learn how we structure coverage for high-net-worth individuals and business owners.

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Estate Planning & Wealth Transfer

Irrevocable life insurance trusts (ILITs), generation-skipping strategies, and survivorship policies structured to minimize estate tax exposure and maximize wealth transfer to heirs.

Who This Is For

Clients who need more than a policy

UHNWI with $10M+ estates

Business owners funding buy-sell agreements

Executives with deferred compensation

Families with multi-generational wealth transfer goals

Companies needing key person protection

Private equity sponsors with portfolio company needs

Free Comparison

Already have a policy? Let's benchmark it.

Upload your existing policy for a confidential comparison — no cost, no obligation. We'll show you where your coverage stands relative to what's available.

Get Your Free Comparison

Life Insurance

Let's design your life insurance strategy.

Work with an advisor who understands both the insurance and tax sides of your life insurance decisions.

Call (800) 755-3469

Needs analysis

We assess your income, estate, business interests, and legacy goals.

Carrier comparison

We compare products from 30+ carriers to find the right structure and pricing.

Policy placement

You receive a fully underwritten policy with ongoing review and optimization.