Estate Planning & Life Insurance

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Preserve What You’ve Built. Provide What They’ll Need.

Estate planning with life insurance is one of the most effective ways to create financial certainty for the next generation. At Hansol, we help individuals and families across Los Angeles use life insurance as a strategic tool to protect assets, minimize taxes, and pass on wealth with intention.



Whether you’re planning for real estate in Beverly Hills, business holdings in Koreatown, or family property in Los Angeles County, we can help structure life insurance within your broader estate plan so your legacy carries forward the way you intend.

Why Life Insurance Belongs in Your Estate Plan

For many families, life insurance isn’t just about income replacement — it’s about preparation. In high-value estates, policies can be used to:



  • Cover federal and California estate taxes
  • Provide liquidity so heirs don’t have to sell off property
  • Equalize inheritances between heirs or family branches
  • Support a surviving spouse without triggering estate tax
  • Fund charitable giving or private foundations


We work with you — and if needed, with your estate attorney or CPA — to design a plan that aligns with your goals and protects what you’ve built.

Integrated Strategies That Make a Difference

Our team has experience in both domestic and international planning. That means we can help you explore strategies like:



  • Irrevocable Life Insurance Trusts (ILITs): Keeping the death benefit outside your taxable estate
  • Second-to-Die Life Insurance: Ideal for couples passing on jointly held wealth
  • Using Indexed or Whole Life Policies: For stable, long-term planning with growth potential
  • Cross-border planning: Supporting clients with beneficiaries, assets, or citizenship outside the U.S.


Los Angeles families often face complex questions around real estate valuation, trust structures, and generational planning. We help answer those questions and build solutions that work across cultural and financial lines.

Local Expertise with a Broader View

Our clients span the neighborhoods of LA — from the San Fernando Valley to West LA and everywhere in between. Many of them are business owners, real estate investors, or multigenerational families planning ahead.



If you need life insurance for estate tax planning, want to leave a clear plan for your heirs, or simply want to understand how insurance fits into a living trust or long-term plan, we can help.

Start the Conversation Today

Estate planning isn’t just about documents — it’s about having the right tools in place. Life insurance gives you control, clarity, and confidence for your family’s future.



Schedule a private consultation with Hansol to explore your estate planning options with a local expert. We’re here to walk you through every step.

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Retirement Planning

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Insurance for Foreign Nationals

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Financial Planning

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Life Insurance

  • How does life insurance help with estate planning in California?

    Life insurance can provide the liquidity needed to cover estate taxes, settle debts, and distribute inheritances without forcing the sale of real estate or other valuable assets. In California, where property values are high, this can be especially important for families in areas like Los Angeles and Beverly Hills.

  • What is an irrevocable life insurance trust (ILIT), and do I need one?

    An ILIT is a trust that owns your life insurance policy outside of your estate. It keeps the death benefit from being taxed and gives you more control over how the funds are distributed. It’s commonly used by high-net-worth families in Los Angeles to reduce estate tax exposure and manage generational transfers.

  • Can life insurance be used to equalize inheritances?

    Yes. If you’re leaving a home or business to one heir, life insurance can be used to provide an equivalent value to others. This is a common solution for families with real estate or small businesses in areas like Koreatown or the San Gabriel Valley.

  • Is second-to-die life insurance a good strategy for couples?

    Second-to-die policies pay out after both spouses pass, making them ideal for estate planning. They’re often used to cover future estate taxes or provide for heirs and charities, especially when the couple owns significant joint assets.

  • Do you coordinate with estate planning attorneys and tax advisors?

    Absolutely. We often work alongside your existing team — or can recommend local partners — to ensure your estate plan and life insurance are aligned. This collaborative approach is especially helpful for complex estates or cross-border families.

  • Can foreign nationals use life insurance for U.S. estate planning?

    Yes, in many cases. If you’re a non-U.S. citizen with assets or beneficiaries in California, we can help you structure life insurance to reduce estate tax exposure and support cross-border planning. See our page on insurance for foreign nationals for more details.

  • How do I get started?

    Schedule a consultation with Hansol. We’ll review your goals, assess your estate planning needs, and help you explore whether a life insurance strategy makes sense for you.