Insurance & Wealth Protection

Alhambra Bank & Trust Limited works with internationally recognised insurance providers to offer insurance-based wealth planning solutions to its private banking clients. For ultra-high-net-worth individuals and families, structured life insurance and annuity products can form an important component of estate planning, liquidity management, and intergenerational wealth transfer.

Solutions We Facilitate

• International life insurance — whole life, universal life, and variable universal life
• Private placement life insurance (PPLI) for investment tax efficiency
• Annuity products for income planning and longevity protection
• Key-person and shareholder protection policies for business clients
• Offshore captive insurance structures for qualified clients

Estate and Succession Planning Integration

Life insurance products held through offshore structures can be powerful tools for estate liquidity, inter-generational transfer, and tax planning. We help clients integrate insurance solutions within the broader estate and trust structures we administer, working alongside specialist legal and tax advisers.

Important Note

Insurance products involve risks and are not appropriate for all clients. Details of specific products, terms, and suitability are discussed in consultation with qualified advisers. Alhambra Bank & Trust distributes insurance products through its licensed relationships and does not itself underwrite insurance risk.