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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 Ani Hovanessian, Partner in the Private Client Group at Willkie, Farr & Gallagher LLC, for an inspiring conversation about the intersection of technical mastery and human connection in estate planning.

GRATs and CLATs offer exceptional opportunities for tax-efficient wealth transfer. But when paired with life insurance, their potential for impact, both financial and philanthropic, grows exponentially.

Fairness and equality stand at the heart of decisions about whom to give to and what to distribute in estate plans.

A Charitable Remainder Trust may help you avoid capital gains taxes and provide a significant income tax deduction.

Committing to trust terms that endure for generations can be daunting. A Trust Protector may be the answer.