Insurance

Life and health insurance are foundational components of a well-rounded risk management strategy for high-net-worth families. At Aragon Family Office, we view these coverages not just as protection tools but as strategic assets that support long-term financial and estate planning goals.

Life insurance can play multiple roles—from providing liquidity to cover estate taxes to serving as a vehicle for wealth transfer. We assist families in structuring policies such as permanent life insurance or second-to-die coverage within Irrevocable Life Insurance Trusts (ILITs), allowing for tax-efficient distribution of wealth to future generations. Life insurance also offers flexibility as a financial resource, with cash value components that can serve as a reserve or funding source during a family’s lifetime.

Health insurance needs for HNW families often extend beyond the scope of standard employer-provided or individual plans. Aragon helps clients secure high-end private medical coverage, international health insurance, and concierge medicine programs that offer premium care, global access, and elevated service. We also guide families in selecting long-term care and disability insurance to protect against the financial impact of health-related events that could disrupt lifestyle or deplete assets.

Our role is to ensure that life and health insurance coverage is not only sufficient, but aligned with the family’s values, needs, and legacy plans—now and for the future.