Insurance for High Net Worth Families

Almega Life Solutions is highly experienced with insurance plan design for high net worth families.  We attack the seemingly complex to create simplicity for your family.  Uniquely we represent every almost major insurance company and several international speciality companies, like Lloyd’s of London.

Starting out families need to fulfill the basic tenants of financial planning by insuring the family.  This means basic life insurance, disability insurance, and critical illness insurance.  Part of financial planning oftentimes means planning for college; outside of a typical 529 plan we create strategies using life insurance to hide assets during the financial aid application process.

In time families mature and retirement looms nearer.  Advanced life insurance strategies and annuity programs can help augment standard financial planning based investment strategies.  And in time, passing the wealth accumulated over a lifetime to the next becomes important.  We are uniquely experienced at working with your family’s lawyer to help develop estate planning conduits like Irrevocable Life Insurance Trusts (ILIT), Charitable Remainder Trusts (CRAT/CRUT), and Private Placement Life Insurance.

One unique strategy developed by Almega Life Solutions utilizes life insurance to maximize, and guarantee, investment returns when transferring money to heirs at death.  Also, we have relationships with specialized lenders and the appropriate insurance companies to implement premium financing into a life insurance strategy.

Sometimes families go through a divorce.  In these situations life insurance and failure to survive insurance is sometimes utilizes to guarantee alimony or child support.  One spouse may set up a restricted beneficiary life insurance policy to insure college funding or other priority should they pass away.

Then there are some High Net Worth Families with unique insurance needs.  Almega Life Solutions is one of the few insurance agencies with the resources to assist with these unique situations:

  • Student Athlete Disability Insurance (aka Draft Protection Insurance)
  • Commercial Pilot Loss of License Insurance
  • PGA Professional Disability Insurance
  • High Risk International Life Insurance
  • Kidnap & Ransom Insurance
  • Stock Option Disability Insurance

Ultimately, Almega Life Solutions has the experience to help with almost every situation a family may encounter.  For more information please call us at 480-442-5592 or send an email to

Simplify Complex, Realize Impossible


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