How Ultra-Wealthy Families Use Captive Insurance for Tax and Risk

In this episode of The High Net Worth Podcast, Lucas and Luna explore captive insurance — a sophisticated risk-financing tool that ultra-wealthy families use to slash premiums, retain underwriting profits, and generate significant tax deductions. Using a concrete example of a $50 million family office, they walk through how a captive works, the IRS requirements (like 831(b) tax elections), and why captives have become the fastest-growing alternative risk transfer vehicle among high-net-worth families. They also touch on the 2026 regulatory landscape, including recent IRS scrutiny and the 'economic family' doctrine. No fluff — just a 12-minute drill into one powerful wealth strategy the ultra-rich use to protect assets and build tax-efficient wealth. #CaptiveInsurance #WealthManagement #TaxStrategy #FamilyOffice #HighNetWorth #RiskManagement #831b #IRS #InsurancePremium #AlternativeRiskTransfer #Finance #BusinessPodcast #FexingoBusiness #Podcast #WealthPreservation #TaxDeduction #UnderwritingProfit #EconomicFamilyDoctrine Keep every episode free: buymeacoffee.com/fexingo