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 specialised life insurance strategies designed for estate planning, wealth preservation, and tax-efficient asset transfer.
Compare leading private insurers offering multi-million life insurance policies, bespoke underwriting, and structured wealth protection solutions.
Why High Net Worth Individuals Need Advanced Life Insurance
- Estate tax mitigation
- Inheritance tax liquidity planning
- Business succession protection
- Asset protection strategies
- Trust-based policy structuring
- Cross-border estate planning
Standard retail life insurance often does not meet the financial complexity of large estates.
Typical Coverage Levels
| Net Worth Level | Common Coverage Range |
|---|---|
| €5M – €15M | €2M – €10M |
| €15M – €50M | €10M – €50M |
| €50M+ | Custom Structured Policies |
Policy size depends on estate valuation, tax exposure, liquidity needs, and succession objectives.
Advanced Policy Structures
- Universal Life Insurance
- Private Placement Life Insurance (PPLI)
- Premium financing solutions
- Irrevocable Life Insurance Trusts (ILIT)
- International wealth transfer structures
These structures are often coordinated with private bankers and estate planning solicitors.
Premium & Underwriting Considerations
High-value policies typically require:
- Full medical underwriting
- Financial disclosure review
- Asset verification
- Detailed estate analysis
Premiums vary based on age, health, coverage amount, and policy structure.
How to Secure High Net Worth Life Insurance
- Define estate planning objectives
- Consult a specialist insurance advisor
- Compare elite insurance providers
- Complete underwriting assessment
- Structure policy within trust (if required)
Request a Private Life Insurance Quote
If you require a tailored life insurance solution for high net worth individuals, request a confidential consultation with a specialist advisor.
Protect your legacy. Preserve your wealth. Secure multi-million coverage today.