Life insurance, an effective tool for the estate and business succession planning

Sooner or later, everyone will be faced with the need to plan their estate or business succession, whether it concerns their own or their company's assets. With the imminent retirement of the so-called 'Baby Boomers' generation, we are facing a big and historical succession transition that makes this a very relevant topic.

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Therefore, it is important to think well in advance how and with which tools to use to plan the own estate or business succession.

In many countries a life insurance contract undeniably offers many advantages both during life and at the time of death. This solution should therefore be taken into account during discussions with the personal advisors.

In effect, during life the policyholder can benefit from advantages such as:

  • Investment flexibility;
  • confidentiality;
  • simplified tax returns.


When the insured event occurs, the insurance company pays the insurance benefit directly to the beneficiaries without the need to involve authorities such as notaries. This enables a quick payout, which in the case of a company can be crucial to secure liquidity at a critical time in the company's operation.

Life insurance also makes it possible to provide family members with an equitable distribution to compensate for the transfer of the business to a single family member or for a non-equal distribution due to laws in the country of residence. Moreover, it should not be underestimated the opportunity for “Wealth Creation” through life insurance with a high death lump sum, that can be structured to the benefit of heirs or business partners to overcome liquidity shortcomings or the necessity to buy our part of the company.

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It is important to note that the benefits of a life insurance may vary depending on the country of residence of the client. We collaborate with professional insurance intermediaries through which various life insurance solutions can be accessed to cover all our clients’ needs.

Would you like to receive more information? We have in-depth knowledge of the market and our specialists are ready to assist you with any questions you may have.

Contact us today for a non-binding consultation.

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