Preserve Wealth and Provide Certainty
Through Strategic Insurance Solutions
In an uncertain world, life insurance is one of the most effective tools for safeguarding your wealth, supporting your loved ones, and protecting the future you’ve worked hard to build. For high-net-worth individuals and families, insurance plays a vital role not just in risk mitigation, but in legacy planning, liquidity management, and wealth preservation.
At The Michele Carby Practice, we offer tailored insurance strategies that align with your overall financial plan. Whether you’re securing intergenerational wealth, covering estate liabilities, or creating a financial safety net for dependents, our team works with you to ensure your coverage is structured, strategic, and entirely personal.
Life Insurance
Provide long-term security for your family while supporting estate equalisation, legacy goals, and liquidity needs.
Whole of Life & Universal Life Cover
Flexible, permanent policies that grow with your estate and offer predictability in future planning.
Term Insurance
Cost-effective protection for fixed periods—ideal for covering specific liabilities or life events.
Estate Liquidity Planning
Ensure sufficient liquidity to meet estate taxes or other obligations, preventing forced asset sales.
Business & Key Person Cover
Protect business continuity with policies that provide critical support in the event of unexpected loss.
Cross-Border Insurance Structuring
Navigate international insurance considerations with tailored coverage aligned to your residency, citizenship, and jurisdictional needs.
Life insurance offers more than financial protection—it provides confidence. With the right policies in place, you can preserve your wealth, reduce estate tax exposure, and ensure your heirs are supported without disrupting your broader financial plan.
For many high-net-worth individuals, insurance serves as a strategic estate planning tool. It can be used to offset inheritance tax, provide liquidity to cover liabilities, or create equalisation between heirs where assets are illiquid. Properly structured policies can also be housed within trusts, offering additional layers of control, protection, and privacy.
Importantly, insurance solutions are not static. As your family, wealth, and objectives evolve, so too should your protection strategy. From supplementing retirement income to enhancing your philanthropic impact, insurance can be adapted to support nearly every life stage and financial ambition.
We start by understanding your complete financial picture—your priorities, family responsibilities, long-term plans, and existing coverage. From there, we assess where insurance fits within your broader wealth strategy, identifying any gaps or inefficiencies.
Your dedicated advisor will work with insurance specialists to recommend and implement the right coverage mix, drawing from a global network of top-tier providers. We ensure policies are structured with care—considering legal ownership, tax treatment, and integration with trusts or estate plans.
We also manage annual reviews and keep your plan up to date. As your circumstances change, we make sure your protection evolves with you.
Insurance should not be treated as a standalone product—it’s a strategic pillar of long-term wealth management. Our approach ensures that every policy serves a clear purpose within your overall plan.
We assess your current and future protection needs based on your personal, family, and estate goals.
We design a bespoke insurance strategy that supports liquidity, legacy, and financial resilience.
We oversee implementation and coordinate with your legal, tax, and estate planning professionals for full integration.
Whether for peace of mind, tax efficiency, or intergenerational continuity, we help you protect what matters most—today and far into the future.
Life insurance helps provide liquidity, reduce estate taxes, equalise inheritances, and protect dependents. For wealthy individuals, it’s often used as a strategic estate and legacy planning tool—not just a safety net.
Yes. Even if your estate is sizable, insurance can ensure assets aren’t sold under pressure to cover taxes or liabilities. It also offers tax advantages and flexibility in wealth transfer.
It depends on your goals. Term insurance may suit temporary needs, while whole or universal life policies offer long-term, flexible coverage. We’ll guide you through the right choice based on your situation.
Absolutely. Placing a policy in trust can protect proceeds from estate taxes, provide confidentiality, and give you control over how benefits are distributed.
At least annually—or whenever you experience a major life change (e.g., marriage, children, relocation, liquidity event). We conduct regular reviews to ensure your plan stays aligned with your evolving needs.