Insurance Solutions

Protection, Legacy, and Tax Efficiency.

Beyond basic coverage, properly structured insurance solutions serve as a tax-efficient vehicle for wealth transfer, a hedge against longevity risk, and a source of tax-free liquidity.

Life & Legacy

Term, whole life, and universal life structures tailored to your estate and income needs. Premium financing allows access to large-face-value policies without tying up investment capital.

PPLI & Annuities

Private Placement Life Insurance offers tax-deferred investment growth within an insurance wrapper for high-net-worth clients. Annuities provide guaranteed income for retirement and longevity protection.

Business Coverage

Buy-sell and key person coverage protect your business and its ownership structure. We work with institutional carriers to source solutions that are competitively priced and appropriately structured.

Insurance Solutions at Guardant

Integrated protection within your broader wealth plan.

Needs Analysis

Coverage Review: We assess your existing policies, coverage gaps, estate objectives, and income replacement needs.

Estate Context: We evaluate how insurance fits within your broader estate and wealth transfer plan before recommending any structure.

Solution Design

Product Selection: We identify the right combination of life, annuity, and specialty insurance structures for your specific situation.

Premium Strategy: Where appropriate, we design premium financing structures to minimize the capital required to fund the policy.

Carrier Selection

Market Access: We source competitive terms from our institutional carrier network, comparing pricing, ratings, and policy features.

Structuring: We work with your estate planning attorney to ensure the policy ownership and beneficiary structure is correct.

Policy Management

Performance Review: We review policy performance, cash value growth, and premium efficiency on an ongoing basis.

Coverage Updates: As your estate and income evolve, we adjust coverage levels and structures to remain aligned with your objectives.

Our Advantages

Personalized Guidance

Benefit from bespoke advisory tailored to complex alternative investment structures. We align sophisticated strategies with your priorities and risk tolerance.

Expert Management

Our seasoned team has deep experience across private markets, pre-IPO deals, and exchange funds. We leverage industry connections, proprietary sourcing and robust selection frameworks.

Explore your options.

Insurance recommendations are always made within the context of your broader financial and estate plan — never in isolation.