Life
Insurance Planning
Advanced Life Insurance Strategies for High-Net-Worth Families and Business Owners in Kansas City
For high-net-worth (HNW) and ultra-high-net-worth (UHNW) individuals, life insurance is more than protection—it can be a strategic tool for estate planning, liquidity, wealth transfer, and business continuity. When designed correctly, life insurance can help reduce financial friction at death, preserve hard-to-transfer assets (like businesses and real estate), and create predictable liquidity for heirs.
At Curtis & Associates, we provide high-net-worth life insurance planning in Kansas City with a focus on sophisticated strategy, policy design, and ongoing oversight. We collaborate with your CPA and estate planning attorney to ensure your life insurance aligns with your broader wealth plan.
Life Insurance Services
What Life Insurance Can Do in an Affluent Financial Plan
Life insurance is commonly used to help:
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Create estate liquidity to help pay taxes and expenses
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Avoid forced sales of businesses, real estate, or concentrated investments
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Support generational wealth transfer
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Provide inheritance equalization for family businesses
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Fund business succession and ownership transitions
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Improve planning outcomes through trust-owned insurance structures (when appropriate)
Who We Serve
Our life insurance planning is designed for:
Successful professionals and executives
Business owners and entrepreneurs
Families with significant real estate or private holdings
Individuals updating estate planning strategies
Clients seeking a second opinion on existing coverage
Our Approach
01: Discovery & Goals
Estate plan, balance sheet, liabilities, liquidity needs, and legacy objectives.
02: Strategy & Structure
Policy type, ownership considerations, beneficiary design, and integration with your broader plan.
03: Carrier & Policy Selection
Independent evaluation of options to match your goals, underwriting profile, and timeline.
04: Implementation & Coordination
We coordinate with your attorney/CPA when structures like trusts or business agreements are involved.
05: Ongoing Oversight
Periodic policy reviews, performance vs. original projections, premium and funding adjustments, and updates as your estate plan, business, or family changes.
Explore Our Advanced Life Insurance Strategies
To help you find the right solution, we offer dedicated services and strategy planning.
Protect Your Business and Its Future
Permanent life insurance is built to last a lifetime, but the assumptions behind it don’t always hold. Interest rates shift, dividend scales change, cost-of-insurance charges rise, and your business and family goals evolve. A policy that looked right ten years ago may now be underfunded, overpriced, or no longer suited to its original purpose.
Our complimentary policy review gives you an independent, in-depth look at your whole life, universal life, indexed universal life, or variable universal life coverage. We’ll help you understand:
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Policy health: whether your current premiums will sustain the coverage, and if there’s a risk of lapse
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Performance vs. projections: how actual cash value growth compares with the original illustration
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Costs and charges: what you’re paying in fees and insurance costs, and how they may change
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Fit with your goals: whether the coverage still supports your business succession, buy-sell, key person, estate, or retirement plans
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Your options: adjusting premiums, restructuring, exchanging (including 1035 exchanges), or keeping the policy as is
You’ll get clear findings and practical recommendations, with no obligation to make any changes.
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Advanced Planning for Complex Wealth
Private Placement Life Insurance (PPLI) is a complex product intended for qualified investors and involves investment, liquidity and insurance risks. Policy values may fluctuate and may lose value.
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We help you evaluate:
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Whether PPLI aligns with your financial and estate planning goals
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Tax-efficient wealth transfer strategies
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Customized investment and policy design options
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Coordination with your CPA, estate attorney, and advisory team
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Long-term planning, due diligence, and implementation
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Help Preserve Liquidity While Protecting Your Legacy
Premium financing involves borrowing to fund life insurance premiums and carries risks including changing interest rates, financing costs, collateral requirements and potential policy lapse.
We help you evaluate:
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Whether premium financing aligns with your financial goals
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Liquidity preservation and estate planning objectives
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Financing structure and collateral requirements
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Interest rate, policy performance, and exit strategy considerations
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Coordination with your CPA, attorney, and financial advisors
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Protect Your Legacy for Generations
Survivorship life insurance can help provide estate liquidity, preserve family wealth, and reduce the need to sell valuable assets when the second spouse passes away.
We help you evaluate:
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Estate liquidity and tax planning needs
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Strategies to help preserve family businesses and real estate
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Legacy and inheritance equalization planning
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Trust and multi-generational estate planning coordination
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Coverage designed to fit your long-term estate goals
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Protect the Business You’ve Built
​Life insurance should not be viewed as a substitute for comprehensive business succession, continuity, or estate planning.
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Business Continuity & Succession Planning: Life insurance can provide financial protection to help keep your business and succession plans on track.
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Buy-Sell Funding: Provides funds for ownership transitions while protecting the deceased owner’s family.
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Key Person Insurance: Helps offset the financial impact of losing a critical employee.
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Estate Equalization: Helps create equitable inheritances when one family member inherits the business.
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