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Use of insurance in estate planning

Our knowledgeable global tax team can help you to use your insurance contracts to simplify your estate tax planning, achieving more efficient income and capital gains tax results. This approach may be especially useful if you have cross-border interests.

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.

As an estate tax planning law firm with a wealth of experience, 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.

Our team of estate tax planning lawyers is on hand to assist with any guidance required. We can cover estate planning insurance and other legalities with you.

The UK's non-dom regime – time to reform rather than replace?


Changes to the UK's non-dom regime are considered to be inevitable. Read our report to find which changes we suggest, and how well the regime is currently functioning for non-doms. 
Non-dom report
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The UK "non-dom" regime

"Non-doms" have returned to the political spotlight.

In our series of articles we explore what the UK "non-dom" regime is, what it may look like in the future as a result of potential political change and the alternatives regimes available across the world.

Read our short articles below to find out more.

UK "non-dom" regime

Our team

Aaron Schumacher

Aaron Schumacher

Partner | New Haven

Aaron Schumacher

Partner | New Haven

Private client and tax

Ceri Vokes

Ceri Vokes

Partner | London

Ceri Vokes

Partner | London

Private client and tax

James R. Brockway

James R. Brockway

Partner | New Haven

James R. Brockway

Partner | New Haven

Private client and tax

Richard S. Levine

Richard S. Levine

Special counsel | New York

Richard S. Levine

Special counsel | New York

Private client and tax

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Families call on us when they want a firm that understands their needs – whether they are looking to pass down wealth, set up and run a family office, or make their mark through philanthropy. Find Out More
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With complex interests that often span several jurisdictions, highly successful people need seamless advice. With a full-service offering across our offices around the world, we provide just that. Find Out More

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