Life Insurance for High Net Worth Individuals (2026) – Multi-Million Coverage & Private Wealth Protection
Life Insurance for High Net Worth Individuals 2026 Multi-Million Coverage Private Wealth Protection
High net worth individuals require specialized life insurance solutions designed for estate planning, wealth preservation, and tax-efficient asset transfer.
Compare private insurers offering multi-million euro life insurance policies, custom underwriting, and structured wealth protection strategies.
Why High Net Worth Individuals Need Specialized Life Insurance
- Estate tax mitigation
- Wealth transfer planning
- Business succession protection
- Asset protection strategies
- Liquidity for inheritance tax liabilities
- Trust-based policy structures
Standard retail life insurance may not provide adequate coverage for complex financial portfolios.
Coverage Levels for High Net Worth Policies
| Net Worth Profile | Typical Coverage Range |
|---|---|
| €5M – €10M Net Worth | €2M – €10M Coverage |
| €10M – €50M Net Worth | €10M – €50M Coverage |
| €50M+ Ultra High Net Worth | Custom Structured Policies |
Policy size depends on estate structure, asset allocation, and tax exposure.
Advanced Life Insurance Structures
- Universal Life with investment component
- Private placement life insurance (PPLI)
- Premium financing arrangements
- Irrevocable life insurance trusts (ILIT)
- Cross-border coverage solutions
These structures can optimize tax efficiency and long-term capital growth.
Premium Cost Considerations
Premiums depend on:
- Age & health profile
- Coverage amount
- Underwriting complexity
- Financial disclosure requirements
High-value policies often require financial underwriting and asset verification.
How to Secure High Net Worth Life Insurance
- Consult with a specialist wealth advisor
- Define estate planning objectives
- Compare private insurers
- Complete medical & financial underwriting
- Structure policy within trust (if required)
Private insurers may offer bespoke underwriting and flexible premium structures.
Request a Private Consultation Today
If you require a tailored life insurance policy for high net worth individuals, request a confidential consultation with a specialist advisor.
Protect your legacy. Preserve your wealth. Secure multi-million coverage today.