Use of insurance in estate planning

Insurance can play a vital role in achieving superior income and capital gains tax results

Many clients naturally view insurance as risk mitigation, and this is primarily how insurance or annuity contracts are used.

We believe that insurance contracts and bonds can be utilized as an investment vehicle that can help achieve more efficient income and capital gains tax results. Insurance is ideal for our international clients because it is recognized around the world as a tax-advantaged investment vehicle, and so is particularly well-suited for use in cross-border planning.

Buying single premium life insurance policies in the form of contracts is simple and more flexible than managing the taxation and reporting around individual or directly purchased contracts, and additionally benefits from the services of professional investment managers. A practical example of how this can simplify your estate plans is using insurance contracts to shelter a portfolio from the punitive Passive Foreign Investment Company rules in the US.

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14 July 2017 - Article

Foreign affairs: A primer on international tax and estate planning (Part 1)


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Ranked in top tier for personal tax, trust and probate

Recognized for wealth planning in California by Chambers HNW 2016

Leading firm - Band 1 for tax: International under Japan

Ranked in Band 1 for private client for the last 16 years

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