Clarity before complexityTony Jones Financial
Advanced insurance-based planning
At higher levels of wealth, life insurance stops being only protection and becomes an estate-liquidity and leverage tool. These guides cover survivorship policies, ILIT integration, premium financing and its guardrails, and the advanced strategies wealthy families actually use.
Educational only. Not tax or legal advice. See Disclosures.
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- 7 advanced life insurance strategies for high-net-worth clientsThe advanced ways wealthy families use life insurance: ILITs, survivorship, premium financing, split-dollar, estate liquidity, and dynasty planning.Jul 3, 2026 · 8 min read
- Premium financing — how large policies get funded, and when it's a bad ideaPremium financing borrows to pay premiums, betting the policy out-earns the loan. How the collateral works, the interest-rate risks, and the red flags to watch.Jun 12, 2026 · 7 min read
- Using second-to-die policies for high-net-worth estate planningSurvivorship life insurance covers two lives and pays at the second death, when estate taxes come due. Why it costs less than two policies, and how an ILIT owns it.Jun 5, 2026 · 7 min read
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Educational only. Not tax or legal advice. See Disclosures.