Being an investor in real estate requires a great deal of skill, including identifying potential investment opportunities, planning for capital investment, and maintaining properties over time. Yet one risk that is often overlooked is the impact of the investor’s untimely death. For high-net-worth investors whose estate values exceed the lifetime exclusion amount, this can lead to substantial exposure. These investors face unique financial challenges and opportunities that make life insurance an essential component of their wealth management and estate planning strategies.

Key points covered in this article:

  • Strategic use of life insurance can help protect and preserve real estate and investment assets from estate taxes.
  • The right policy can offer accessible, flexible liquidity to support both personal and investment-related needs.
  • Life insurance can play a vital role in business succession planning and long-term continuity.
  • Additional benefits include tax-efficient growth, supplemental retirement income, and a streamlined transfer of wealth to future generations.

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The information contained in this article is for informational purposes only, and cannot be relied upon for legal, financial, tax, or accounting advice. Be sure to consult with your financial advisor on this topic as individual situations may vary. Any specific questions you may have can be sent to us by email and we would be happy to assist you.

Daniel Yoo PBMares Wealth AdvisorDaniel H. Yoo, CFP®, CEPA®, CM&AA®
Senior Wealth Advisor

As a Senior Wealth Advisor and Certified Financial Planner™, Daniel Yoo simplifies the financial lives of entrepreneurs, executives, and their families. He is also a Certified Exit Planning Advisor® to help business owners understand and optimize the value of an exit strategy.