Permanent Life Insurance for High-Net-Worth Families
Estate considerations. Business succession. Generational wealth transfer.
The Life Insurance Component of Your Estate Plan
High-net-worth families in Texas, Florida, North Carolina, South Carolina, and Tennessee trust Russell Moran Agency to design and implement the permanent life insurance component of their estate and succession plans.
Life Insurance & Estate Planning
Permanent life insurance plays a key role in estate liquidity, trust structures, and generational wealth transfer for families with significant assets.
Irrevocable Life Insurance Trusts
An educational overview of how ILITs work, the types of policies commonly used, and how a licensed insurance specialist supports the life insurance component of attorney-designed trust structures.
Buy-Sell Agreement Life Insurance
Business owners use life insurance to fund buy-sell agreements, protecting the company and the families who depend on it. Cross-purchase and entity-purchase structures each require thoughtful policy design.
Survivorship Life Insurance
Second-to-die policies are frequently considered by couples focused on generational wealth transfer and estate liquidity after both spouses have passed.
Who We Serve
Our work is focused on a specific client profile: high-net-worth families and business owners who need permanent life insurance done right the first time.
Families with significant assets who are working with estate planning attorneys and CPAs on wealth transfer, estate liquidity, and generational planning.
Business owners who need buy-sell agreement funding, key person coverage, or executive benefit structures to protect what they’ve built.
Couples focused on generational wealth transfer and estate considerations who are exploring how survivorship and permanent life insurance fit their long-term plan.
Estate planning attorneys and CPAs who need a licensed insurance specialist to evaluate and implement the life insurance component of their client’s plan.
A Licensed Life Insurance Specialist Who Works Alongside Your Estate Planning Team
Russell Moran has spent 20+ years working with high-net-worth families on permanent life insurance — whole life, indexed universal life (IUL), and survivorship structures. His focus is the insurance component: helping families and their professional advisors evaluate which policies fit the estate plan, and implementing those policies with precision.
He doesn’t replace your estate planning attorney or CPA. He works alongside them — as the licensed insurance professional who understands how permanent life insurance performs inside trust structures, buy-sell agreements, and long-term estate plans.
Working with an estate planning attorney?
If your attorney has recommended exploring life insurance as part of your estate plan — or if you’re a business owner working through succession planning — we’d welcome the conversation about the insurance component.
Licensed Nationwide