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For families with very large estates, life insurance plays a fundamentally different role than it does for most households. It’s not about income replacement, mortgage protection, or meeting basic financial needs. Instead, life insurance becomes a structural element of generational planning, including providing liquidity, managing tax exposure, supporting legacy objectives, and protecting illiquid assets from being dismantled under pressure.

This month, Jay sits down with Jagruti Panwala, President & CEO of Wealth Protection Strategies and the first woman to serve as Chair of the Asian American Hotel Owners Association (AAHOA).

When an individual purchases a life insurance policy, the assumption is that the insurance company will be there to pay the claim, whether tomorrow or decades from now. Behind the scenes, however, the life insurer itself may not shoulder the entire risk of that policy. Instead, it often transfers a portion of the obligation to another insurer, known as a reinsurer.

Our Co-Founder and CEO, Jay Judas, joined Jordon R. Katz of JR Katz for a wide-ranging conversation about the transformation of the Private Placement Life Insurance (PPLI) market.