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Insurance Solutions

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.

Insurance That Safeguards Your Future

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.
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A middle aged man sat at a table with two young children. They have coins in their hands and are putting the money into a piggy bank.

Insurance Planning Solutions

Life Insurance
A life insurance policy can 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.

Why should I consider insurance protection?

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.

Insurance Planning FAQs

Why do HNWIs need life insurance?

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.

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