Experts Outline Life Insurance Trust Strategies in 2026
Strategies discussed at the Hubbis HNW Insurance Summit focus on tax efficiency for globally mobile individuals.
Updated on Oct. 20, 2026 in Financial Planning
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At the 2026 Hubbis HNW Insurance Summit in Zurich, Chris Edward outlined how combining life insurance with trusts and holding companies creates portable financial structures. These arrangements help wealthy families maintain consistent management of assets across varying tax and legal jurisdictions.
Why it matters
Wealthy families often require portable financial structures to accommodate movement between countries with different legal and tax systems. Insurance-based solutions allow these families to preserve relationships with custodians and discretionary managers despite shifts in their country of residence.
A contribution of 10 million can support annual policy withdrawals of 500,000, utilizing the 5% UK withdrawal allowance as a tax deferral mechanism. The policy value remains linked to underlying investments managed under discretionary mandates.
The players
Chris Edward
Chris Edward is a financial expert who presented strategies on integrating life insurance with trusts and holding companies at the 2026 Hubbis HNW Insurance Summit.
Hubbis HNW Insurance Summit
The Hubbis HNW Insurance Summit is an international conference series focused on high-net-worth insurance solutions and wealth management strategies.
The details
Insurance arrangements are designed to function across both common-law and civil-law jurisdictions by using trusts to subscribe to policies. This establishes a succession framework where assets held with custodians remain under professional management even as clients, such as international professional footballers, relocate between countries like Belgium, Denmark, and Sweden.
Timeline
The Hubbis HNW Insurance Summit was held in Zurich in 2026.
Market Dynamics
These strategies rely on the UK 5% tax-deferral withdrawal allowance to provide a structured approach to capital distribution. This reflects a broader trend of utilizing established regulatory frameworks to maintain long-term wealth stability amid complex global tax environments.
High-net-worth investors may use these insurance-linked trust structures to maintain asset management continuity despite international relocation. These setups are particularly relevant for those seeking to balance liquidity needs with long-term tax deferral goals.
The takeaway
Integrating insurance policies with trusts offers a robust method for managing wealth across different legal systems. Interested parties should consult with tax advisors to determine if these deferral mechanisms align with their specific cross-border residency status.
Further reading
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Source note: This article includes information reported by Hubbis.
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