How to use this page
Use this page to understand the idea, connect it to asset structuring, and continue into the next relevant ASC learning resource.
Core ideaFramework lensNext step
From protection to structure
High net worth families may not respond to simple protection language, but they may respond to liquidity, estate equalisation, business continuity and tax efficient transfer.
Strategic uses
Estate liquidity
Provides cash when estates face taxes, debts or equalisation needs.
Business continuity
Supports buy sell funding and key person exposure.
Tax efficient transfer
When properly structured, policy proceeds can support intergenerational planning.
Asset class conversation
Insurance becomes part of the balance sheet conversation rather than a product isolated from it.
ASC lens
ASC teaches advisors to discuss insurance as part of the asset structure, while respecting the limits of legal, tax and product advice.