Estate & Succession Planning
A review of how insurance fits, or fails to fit, within a family's wider succession plan, aligned to how wealth actually transfers.
Insurance and succession plans are often built separately.
A family's estate plan, its will, trust structures, and shareholding arrangements, is frequently built by one advisor, while insurance is bought separately, often years apart, from a different relationship entirely. The two rarely get reconciled. Cover ends up misaligned with who actually needs liquidity, when they need it, and how ownership is meant to pass.
Where insurance sits inside the wider plan.
- Whether existing policies align with the family's will, trust structure or shareholding arrangement.
- Liquidity timing: whether payouts arrive when heirs actually need funds, not years before or after.
- Nomination and beneficiary structure, checked against current family circumstances.
- Gaps between what the succession plan assumes and what the insurance portfolio actually provides.
A written finding, not a recommendation to buy.
The audit ends with a written report identifying where insurance and succession planning are misaligned, and what a coherent structure would look like. You are free to act on it with your own estate counsel, family office or any broker. Arcus does not place insurance and earns no commission on the outcome.
For a conversation about estate and succession planning.
contact@arcusadvisory.in