Established wealth & families
Pass on what you built — intentionally
Life insurance can create liquidity for estate costs, equalize inheritances, and move wealth to the next generation efficiently. It works best when it's designed alongside your estate plan.
Who this is for
Families with significant or illiquid assets — businesses, real estate, concentrated stock — and the attorneys and CPAs who advise them.
See how this applies to entrepreneurs and executives & established wealth.
The problem
Estates heavy in illiquid assets can force heirs to sell at the wrong time to cover taxes, debts, or equalization between children. Without coordination, policies can also end up inside the taxable estate.
How it works
- Your estate attorney defines the plan; we identify where liquidity or transfer funding is needed.
- Coverage is often owned by an irrevocable life insurance trust (ILIT) so proceeds stay outside the taxable estate.
- Survivorship (second-to-die) policies can fund obligations that arise after both spouses pass.
- Policies are reviewed periodically as tax law and family circumstances change.
Common use cases
- Providing liquidity so heirs don't have to sell a family business or real estate
- Equalizing inheritances between children active and inactive in the business
- Funding charitable intentions while preserving family inheritance
- Starting early transfer to the next generation
Important considerations
- Trust ownership, gifting, and estate tax planning require qualified legal and tax counsel.
- Transferring existing policies may trigger a three-year look-back under IRC §2035.
- Large face amounts involve detailed financial and medical underwriting.
- Estate tax exemption levels are subject to change by law.
How American Dream Solutions helps
We design coverage to fit the documents your attorney drafts, manage complex underwriting, and keep the insurance aligned as the plan evolves.
Independent and licensed in all 50 states, with access to 30+ carrier partners. Read more about the firm or review example case studies.
Learn more in our guides
Life Insurance for Estate Liquidity & Wealth Transfer
Why illiquid estates force bad sales, how second-to-die and trust-owned coverage solve the timing problem, and what to coordinate with counsel and CPAs.
Early Wealth Transfer to the Next Generation
Annual exclusion gifting, trust-owned policies on children and grandchildren, and how to move value early without creating dependency or tax surprises.
Premium Finance: When It Fits, When It Doesn't
The mechanics of financed life insurance, the client profile it serves, and the failure modes to walk through before recommending it.
Related services
What to expect
The first conversation is a no-obligation conversation. We ask about your goals, income, and existing coverage, explain the options that may fit, and tell you plainly if something isn't a fit. There's no application and no pressure.