Advanced Insurance Strategies for High-Net-Worth Clients in Los Angeles
If your financial life is more complex than average, your insurance strategy should be too. Hansol Financial & Insurance offers advanced insurance solutions tailored to high-net-worth individuals and families throughout Los Angeles — from Beverly Hills and Hancock Park to global clients with assets in the U.S. Our expertise in estate planning life insurance, premium financing, and foreign national insurance allows us to meet the needs of clients with sophisticated goals, international connections, or intergenerational wealth concerns.
Whether you’re planning a legacy, structuring your estate, or managing liquidity needs, our team will work with your attorneys, CPAs, and trusted advisors to design a plan that aligns with your full financial picture.
Comprehensive Planning for Complex Estates
For clients with significant assets, insurance becomes more than just a protection tool — it’s a strategic asset. Life insurance can be used to fund estate taxes, transfer wealth tax-efficiently, and provide liquidity to preserve family businesses or real estate holdings. We help clients structure policies through irrevocable life insurance trusts (ILITs) and guide them through strategies like second-to-die coverage or charitable gifting.
From helping a family in Brentwood pass on generational wealth without disrupting property ownership, to supporting a small business owner in Pasadena with succession planning, our solutions are customized and forward-looking.
Supporting Foreign Nationals with U.S. Interests
We specialize in helping foreign nationals secure U.S. life insurance — including non-resident clients who own property, operate businesses, or have heirs in the United States. Navigating the intersection of U.S. estate tax laws and international planning requires specialized guidance, and we bring cultural understanding and bilingual support to every conversation. Our team works frequently with clients in Koreatown, Glendale, and abroad, providing service in Korean or Spanish when needed.
If you’re a non-U.S. citizen with financial ties to Los Angeles, we’ll walk you through your insurance eligibility, documentation requirements, and how life insurance can help mitigate estate tax exposure.
Premium Financing Solutions for Liquidity-Conscious Investors
For some clients, large life insurance premiums can create a liquidity concern — especially if assets are tied up in investments or businesses. Premium financing offers a strategic way to fund high-value life insurance without liquidating other holdings. We coordinate with trusted lenders to arrange third-party financing, structuring policies that meet both long-term planning needs and cash flow goals.
This strategy is often used by entrepreneurs, investors, or real estate developers in areas like Century City or Westwood who want to maintain portfolio performance while securing meaningful protection.
When It’s Time to Work with an Expert, We’re Here
Advanced markets work isn’t something to approach alone — these are highly personalized, technical solutions that depend on expert coordination. Hansol brings years of experience, trusted relationships with local legal and financial professionals, and deep knowledge of the tools available for affluent clients.
We offer confidential consultations to review your current coverage, future goals, and how advanced insurance planning may serve you or your family. Whether you're a high-net-worth individual planning your legacy or a foreign national investing in the U.S., we’ll help you understand your options — and implement them with precision.
Explore Our Specialized Offerings
- Looking to fund estate taxes or create a legacy? Visit our Estate Planning & Life Insurance page.
- Are you a non-resident or foreign investor? Learn more about our Insurance Solutions for Foreign Nationals.
Serving clients across Los Angeles — including Beverly Hills, Koreatown, West LA, and internationally — Hansol Financial & Insurance is your trusted resource for advanced insurance strategy. Contact us today to schedule a private consultation.
Life Insurance
Insurance Solutions for Foreign Nationals
Retirement Planning
Financial Planning
Who should consider advanced insurance planning?
Advanced insurance strategies are typically designed for high-net-worth individuals, business owners, real estate investors, or families with complex estate or tax planning needs. If your financial life involves large assets, business succession goals, international considerations, or you’re concerned about estate taxes, these strategies may be right for you.
What role does life insurance play in estate planning?
Life insurance can provide liquidity to pay estate taxes, equalize inheritances among heirs, or fund charitable bequests. When placed in an irrevocable life insurance trust (ILIT), the death benefit can pass to beneficiaries outside your taxable estate. In high-cost areas like Los Angeles, where property values can push estates above exemption limits, this is a powerful planning tool.
Can non-U.S. citizens or residents buy life insurance in the U.S.?
Yes, in many cases. Foreign nationals and non-residents can often qualify for U.S.-based life insurance, especially if they own property or businesses here, or have financial interests in the country. Hansol has experience helping international clients navigate carrier requirements and tax considerations — with bilingual service available in Korean and Spanish.
How does premium financing work?
Premium financing is a strategy where a third-party lender covers the cost of large life insurance premiums. This approach is typically used by high-net-worth clients who want to preserve liquidity while securing significant coverage. Hansol coordinates with financing partners and structures these solutions to align with your overall wealth strategy.
Is advanced insurance planning only for the ultra-wealthy?
Not necessarily. While many of these strategies cater to clients with complex financial lives, they can also apply to individuals or families with targeted needs — like business continuity planning or creating liquidity for estate settlement. If you have specific goals or concerns, we’re happy to discuss whether these tools may be a fit.
Do I need an attorney or CPA to use these strategies?
We often collaborate with estate attorneys, CPAs, and other professionals to ensure your plan is cohesive and legally sound. If you don’t yet have those relationships in place, we can refer you to trusted professionals in the Los Angeles area. Our goal is to support your broader planning team and bring insurance expertise into the process.
How can I get started?
We begin with a private consultation to understand your goals, review your current situation, and explain which strategies may be appropriate. If you’re based in Los Angeles — including Beverly Hills, Downtown LA, Koreatown, or surrounding areas — we’re happy to meet in person or virtually. Contact us today to schedule your review.