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Insurance planning

Insurance planning

Managing risk is a critical component of managing significant wealth. Discover how we can help you integrate your insurance coverage needs with your overall estate plan to help protect and preserve your assets.

Identifying your insurance planning needs

As a high-net-worth individual, you face a spectrum of complex risks that can affect your financial security. Our goal is to help identify these risks and the appropriate coverage to protect you and your family.

Insurance planning considerations include:
  • Watercraft and recreational vehicle insurance
  • Coverage for assets owned by trusts or LLCs
  • Valuable articles insurance (e.g., jewelry, artwork, wine collections, etc.)
  • Flood and earthquake insurance
  • Collector vehicle insurance
  • Employment practice liability coverage
  • Identity theft expense coverage
  • Officers and directors insurance
  • Kidnap and ransom coverage
  • Workers' compensation

Structuring your life insurance plan

Life insurance can be used to help pay for estate tax liabilities, to fund trusts, and for other estate planning needs. However, the way you designate ownership and beneficiaries can have a large impact on whether your insurance is included in your estate for federal estate tax purposes.

We can help you determine which type of insurance would be most beneficial for your situation, and advise you on ownership and beneficiary designations.

Allow us to provide an in-depth risk assessment, and present custom coverage recommendations, designed to protect your unique assets and exposures.





Tony Lunger
Tony Lunger
Vice President
302-636-5103
Email Tony
Frazier Rice
Frazier Rice
Senior Private Client Advisor
302-636-5097
Email Frazier
Jerry Mauro
Jerry Mauro
Administrative Vice President
302-636-5103
Email Jerry
Kevin Jacobs
Kevin Jacobs
Vice President & Senior Private Client Advisor
302-636-5099
Email Kevin
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 Investment and Insurance Products
  • Are NOT Deposits  • Are NOT FDIC-Insured  • Are NOT Insured By Any Federal Government Agency  • Have NO Bank Guarantee  • May Go Down In Value  

Brokerage services and insurance products are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank, Wilmington Trust Company, or Wilmington Trust, N.A.

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