International Large-Case Life Insurance
Manage assets and family across borders with confidence.
When family and assets cross borders, the plan must too
More and more families have parents in China or another country and children studying, working or settling in the U.S., with businesses and real estate in several places.
Tax residency, inheritance law and reporting requirements differ from country to country, and planning for only one side leaves gaps. Working with attorneys and tax experts experienced in cross-border matters, we help clarify each family member's status and where assets are held, and design protection and legacy arrangements that work in both places.
- Mapping family members' tax status and asset locations
- Protection and legacy planning for children in the U.S.
- Liquidity and legacy for cross-border assets
- Bilingual coordination with professionals in both countries
Why high-net-worth families value life insurance
Life insurance provides protection and creates opportunities for legacy.
Immediate Liquidity
A defined sum when it is needed most — for taxes, debts, or keeping the family and business running.
Fair Distribution
When the main assets are a business or real estate, insurance proceeds can equalize inheritances among children.
Amplified Legacy
A relatively predictable way to turn part of your assets into a legacy for the next generation.
A rigorous process for large-case policies
Large-case life insurance requires more collaboration and more thorough preparation than an ordinary policy.
Needs & Amount
Determine an appropriate amount based on family needs, assets and legacy goals.
Structure
Discuss owner, beneficiaries and whether a trust should own the policy with your attorney and tax advisor.
Underwriting
Prepare financial and medical information and work with the insurer's underwriting team.
Ongoing Review
Review policy performance and family changes regularly so the plan stays on target.
Wherever you are, we can plan with you
Video meetings available, in English or Chinese.