Successful individuals and families have complex financial planning, asset management and estate planning needs. Often insurance is overlooked as a paramount tool for wealth preservation. This document will briefly describe the differences and benefits of insurance companies that have custom forms designed for the HNW. Prime examples of the companies that specialize in this arena are The Chubb Group of Insurance Companies and Chartis Private Client Group. It will also show how Deland, Gibson’s model is a difference maker in diagnosing and managing the unique risks of the HNW.