{"id":551,"date":"2021-02-15T14:18:08","date_gmt":"2021-02-15T14:18:08","guid":{"rendered":"https:\/\/www.protectline.co.uk\/blog\/?p=551"},"modified":"2021-07-08T09:22:47","modified_gmt":"2021-07-08T08:22:47","slug":"life-insurance-broker-for-wealthy","status":"publish","type":"post","link":"https:\/\/www.protectline.co.uk\/blog\/life-insurance-broker-for-wealthy\/","title":{"rendered":"Life Insurance for High Net Worth Individuals"},"content":{"rendered":"<p>If you have a net worth of over \u00a3670,000 then you&#8217;re in the richest tenth of individuals in the UK<sup>1<\/sup>\u00a0and should consider ways to protect your wealth. With money put aside in savings and\/or significant equity in property you may not feel your circumstances require you to purchase life insurance policies. However, life cover is an especially important product for wealthy people to mitigate their financial risk and protect their family&#8217;s future.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Page Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a0d2dec6e6b2\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #f47422;color:#f47422\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #f47422;color:#f47422\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a0d2dec6e6b2\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.protectline.co.uk\/blog\/life-insurance-broker-for-wealthy\/#Do_wealthy_people_need_life_insurance\" >Do wealthy people need life insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.protectline.co.uk\/blog\/life-insurance-broker-for-wealthy\/#What_are_the_tax_benefits_of_life_insurance\" >What are the tax benefits of life insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.protectline.co.uk\/blog\/life-insurance-broker-for-wealthy\/#How_much_does_1000000_life_insurance_cost\" >How much does \u00a31,000,000 life insurance cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.protectline.co.uk\/blog\/life-insurance-broker-for-wealthy\/#Do_Billionaires_have_life_insurance\" >Do Billionaires have life insurance?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Do_wealthy_people_need_life_insurance\"><\/span><strong>Do wealthy people need life insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A term insurance policy will pay out a lump sum on your unexpected death. The life insurance proceeds can be used as an effective way to pass on your wealth to your beneficiaries, without the need to dispose of your assets or pass on debt to your children.<\/p>\n<p>Wealthy individuals will need to consider many factors when determining how much protection they require. Firstly, there&#8217;s <strong>Asset Protection<\/strong> &#8211; how much is outstanding on any loan or mortgage? Secondly there&#8217;s <strong>Business Protection<\/strong> &#8211; how will cash flow be protected if you were to suddenly become terminally ill or pass away? Thirdly there&#8217;s <strong>Financial Protection<\/strong> &#8211; would your family have easy access to enough cash liquidity in the event of your death?<\/p>\n<p><img loading=\"lazy\" class=\"size-medium wp-image-553 aligncenter\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/01\/man-golfer-taking-out-golf-club-from-bag-min-300x200.jpg\" alt=\"life insurance for wealthy - high net worth uk\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/01\/man-golfer-taking-out-golf-club-from-bag-min-300x200.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/01\/man-golfer-taking-out-golf-club-from-bag-min-1024x683.jpg 1024w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_tax_benefits_of_life_insurance\"><\/span><strong>What are the tax benefits of life insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One major reason high net worth individuals (hnwis) take out life insurance is due to estate planning. Whilst you will not pay income tax on an insurance payout, you might pay estate taxes. In the United Kingdom, inheritance tax is charged at 40% on everything you leave behind above the \u00a3325,000 threshold.<sup>2<\/sup>\u00a0Therefore, as part of your financial plan, you may want to get a life policy which is at least equivalent to 40% of your estate&#8217;s value above the threshold, to ensure your loved ones do not need to sell any assets in order to pay the estate tax obligation.<\/p>\n<p><strong>Without suitable cover would your family be able to keep their homes if saddled with the tax liabilities of your estate?<\/strong><\/p>\n<p>For further protection against taxes hnwis often place their life insurance cover in trusts. This is a cost effective way to remove any payout from the taxable estate. Protect Line is a life insurance broker which offers trusts as a free additional service to all clients.<\/p>\n<p><em>[Inheritance tax planning and trusts are not regulated by the Financial Conduct Authority.]<\/em><\/p>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" title=\"Mike Peasland Video\" src=\"https:\/\/fast.wistia.net\/embed\/iframe\/el8ij4lj2z?dnt=1#?secret=B3oLZH3zz0\" data-secret=\"B3oLZH3zz0\" frameborder=\"0\" scrolling=\"no\" width=\"500\" height=\"281\"><\/iframe><\/p>\n<p><em>Michael took out life insurance with Protect Line to protect his family against future estate taxation.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_much_does_1000000_life_insurance_cost\"><\/span><strong>How much does \u00a31,000,000 life insurance cost?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Getting quotes for a one million pound payout may sound like it&#8217;ll be expensive, but for hnwis it can be very affordable and cost effective. A seven figure policy isn&#8217;t unusual in the industry and can help maintain generational wealth. It can also be the catalyst for taking your family to cash millionaire status if they weren&#8217;t already.<\/p>\n<p><a href=\"https:\/\/www.protectline.co.uk\/blog\/life-insurance\/life-insurance-for-young-adults\/\">The younger you are when you take out cover the cheaper it is.<\/a> For example, a 30-year-old with perfect health and lifestyle, taking out \u00a31,000,000 of cover until the age of 60, could cost as little as \u00a325.47 per month. The same cover taken out at age 40 could make the cheapest option as much as \u00a350.92 per month.<sup>3<\/sup><\/p>\n<p><em>[Protection plans with no investment element will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.]<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Do_Billionaires_have_life_insurance\"><\/span>Do Billionaires have life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Insurance is a popular way for hnwis to maximise their after-tax affluence and have more money to pass on to their heirs. Even the richest people in the world use insurers to protect their families against the very real risk of critical illness or early death. Protecting income is seen as a worthwhile investment, knowing that their loved ones could be saddled with debts from an unexpected situation out of their control.<\/p>\n<p><img loading=\"lazy\" class=\"size-medium wp-image-554 aligncenter\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/01\/side-view-business-man-calculating-finance-numbers-min-300x169.jpg\" alt=\"high net worth financial planning life insurance uk\" width=\"300\" height=\"169\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/01\/side-view-business-man-calculating-finance-numbers-min-300x169.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/01\/side-view-business-man-calculating-finance-numbers-min-1024x576.jpg 1024w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>If you have any questions or would like a bespoke quote, get in contact with the UK&#8217;s most trusted broker, <a href=\"https:\/\/www.protectline.co.uk\/\">Protect Line<\/a>. We have the expertise, confidentiality, and most importantly the right financial products for your needs.<\/p>\n\n    <div class=\"c-inline-cta c-inline-cta--rainbow\">\n        <div class=\"c-inline-cta__inner\">\n            <div class=\"c-inline-cta__copy\">\n                <h4 class=\"c-inline-cta__title\">Get a free life insurance quote today<\/h4>\n                <a href=\"https:\/\/www.protectline.co.uk\/protect-my-family\/\" class=\"is-journey-button c-button c-inline-cta__button\">Get a free quote<\/a>\n            <\/div>\n            <img src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/themes\/protectlinerebrand\/img\/family-blue-circle.png\" alt=\"Family illustration\">\n        <\/div>\n    <\/div>\n<ol>\n<li><a href=\"https:\/\/www.bbc.co.uk\/news\/uk-48759591\"><strong>https:\/\/www.bbc.co.uk\/news\/uk-48759591<\/strong><\/a><\/li>\n<li><a href=\"https:\/\/www.gov.uk\/inheritance-tax\"><strong>https:\/\/www.gov.uk\/inheritance-tax<\/strong><\/a><\/li>\n<li><strong>Life insurance quotes generated on www.protectline.co.uk using the Webline service and are accurate as of 28\/01\/21<\/strong><\/li>\n<\/ol>\n<h6><strong>Protection plans with no investment element will have no cash-in value at any time and will cease at the end of the term. If premiums are not maintained then cover will lapse.<\/strong><\/h6>\n<h6><strong>Critical illness plans may not cover all definitions of a critical illness. The definitions vary between product providers and will be described in the Key Features and Policy Document if you go ahead with a plan.<\/strong><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>If you have a net worth of over \u00a3670,000 then you&#8217;re in the richest tenth of individuals in the UK1\u00a0and should consider ways to protect your wealth. With money put aside in savings and\/or significant equity in property you may not feel your circumstances require you to purchase life insurance policies. However, life cover is [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":555,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[18],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.4 (Yoast SEO v19.13) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Life Insurance for High Net Worth Individuals - UK Cover for Millionaires<\/title>\n<meta name=\"description\" content=\"UK Life insurance for HNWIs to maximise after-tax affluence and protect assets when passing on to their heirs. 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