Institute for International Research

Life insurance may be the most owned, least understood of all financial tools.  Often pigeonholed as “narrowly applicable” (especially for the ultra-affluent), “expensive” and a “poor investment”, it is frequently dismissed without the same depth of due diligence and analysis as applied to other investments or wealth enhancement and preservation strategies.  It is this lack of quantitative analysis that has led to confusion, disappointing performance and numerous myths and misconceptions regarding insurance.

This presentation, developed in conjunction with one of the country’s leading advisory firms to family offices, examines:
• Goals common to ultra-affluent families
• Categories of risks that could negatively impact these goals
• Applications of life insurance as a risk mitigation strategy
• Quantifications and measurements to determine effectiveness and allow benchmarking to other strategies
• Problems and issues of larger insurance acquisitions
• Avoiding pitfalls and taking advantage of opportunities created through the industry changes
• Changes that have occurred in the industry rendering past “truths” no longer valid

Michael J. Brink is Executive Vice President of Nease, Lagana, Eden & Culley, Inc. (NLEC), a life insurance advisory firm focused exclusively on wealth enhancement and preservation planning for families of multigenerational wealth.  NLEC is a member of M Financial Group, widely acknowledged as the country’s leading life insurance syndicate, which, through its wholly owned reinsurance company, develops institutionally priced products designed exclusively for corporations and the ultra wealthy.