Post-sale, your clients’ newfound liquidity creates opportunities—and challenges. Life insurance can protect their wealth, provide estate tax liquidity, and secure their family’s future, making it a natural next step after your successful transaction. It’s a way to extend your value as their advisor.

We’re your partner, not a replacement. As experts in life insurance for HNW families, we collaborate with you to design strategies that align with the financial outcomes you’ve achieved for your clients. We keep you informed and ensure your referral reflects your high standards.

Permanent policies like whole life or universal life are often best for HNW clients post-sale, offering tax-deferred growth and death benefits for estate planning or wealth transfer. Chestnut Capital customizes these options based on your clients’ specific needs—whether it’s tax mitigation or legacy goals.

After a sale, your clients’ estates may exceed the 2025 federal exemption ($13.61 million per individual). Life insurance proceeds can fund these taxes, keeping assets intact for heirs. Chestnut Capital structures policies (e.g., via trusts) to keep proceeds tax-free and outside the estate.

Unlike generic agents, we specialize in HNW clients post-business sale and work with all top carriers—not just one. Our deep understanding of sell-side dynamics ensures your clients get tailored, high-performing solutions, reinforcing your reputation as a trusted connector.

We treat your referral as an extension of your relationship. We share referral fees to honor your role, provide regular updates, and deliver a seamless experience—ensuring your clients see you as the source of this valuable connection.

Policies can offer tax-free cash value access (via loans/withdrawals) for income or growth, plus tax-free death benefits for heirs. Chestnut Capital integrates these advantages into your clients’ broader post-sale strategy, enhancing the deal you’ve secured.

You don’t need to—leave that to us. We analyze your clients’ post-sale assets, liabilities, and goals to recommend the right coverage. Whether it’s funding estate taxes or replacing income, we ensure precision and alignment with your transaction’s success.

Premium costs, policy performance, and carrier stability can pose risks if not managed properly. Chestnut Capital mitigates these by selecting top-rated insurers and designing cost-efficient strategies, protecting your clients’ wealth and your credibility.

Contact us for a consultation about your clients’ needs, or download our free guide, “Life Insurance for HNW Clients Post-Sale: A Referral Guide for Business Brokers and Investment Bankers.” It’s packed with insights to help you make informed referrals.