Praxis Insurance Partners collaborates with your advisory team to design and implement a tailored life insurance strategy to preserve what you've built, for your family, your business, and your legacy.
We design exclusive, tax-efficient life insurance strategies built for business owners and high-net-worth families — coordinating closely with your CPA, estate attorney, and financial advisor so every strategy fits your broader plan.
Known as Premium Finance, this funding strategy allows high-net-worth business owners and families to acquire the life insurance coverage they need without disrupting cash flow or liquidating assets — a strategy most advisors never bring to the table.
Acquire the coverage you need without disrupting cash flow. We structure lender-financed strategies that let you secure significant life insurance while your capital stays invested.
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Custom-designed, large-face-amount policies built around the specific liquidity, tax, and legacy needs of high-net-worth individuals and families.
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Key person coverage and executive benefit packages that protect your business from the loss of a critical leader and help retain top talent.
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Federal estate taxes can claim up to 40% of a taxable estate. We design liquidity strategies so your heirs are never forced to sell the business or the land to pay the IRS.
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We help business partners design and fund buy-sell agreements using strategic life insurance, so ownership transitions smoothly when it matters most.
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When some heirs run the business and others don't, we use life insurance to divide an estate fairly — without forcing a sale or a fight.
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Tax-efficient wealth transfer strategies that let you pass on what you've built with clarity and intention, generation after generation.
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We work with your estate attorney to structure and fund irrevocable life insurance trusts (ILITs), so the legal plan and the insurance strategy actually work together.
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We help families maximize philanthropic impact using life insurance structures that amplify what you're able to give.
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Facing a lapse notice or a premium increase on an old UL or SUL policy? We help you evaluate options before you let a policy go.
Learn More →Our strategies are built for families and businesses facing complex, high-stakes financial decisions.
Privately held businesses, with or without equity partners, doing a minimum of $5M in annual revenue.
Businesses with multiple generations of ownership planning a transition.
Personal or business net worth between $20M – $1B+ with a taxable estate.
Farming and ranching families, often illiquid, over the estate tax exemption, looking to protect the land.
Individuals or businesses currently paying over $100,000 annually for life insurance.
Owners of larger UL/SUL policies facing premium increases or lapse notices.
Facing a 40% estate tax liability on a $50M estate — a $20M tax bill — the Andersons needed liquidity without selling the business they spent three decades building.
Read the Case Study →A group of oral surgeons in Chicago needed a way to fund partner buyouts without draining the practice's cash reserves.
Read the Case Study →See your estimated estate tax today and at age 85, based on current federal law. Right here on the page, no file to download and no email required.
A simplified estimate using today's federal exemption ($15M individual / $30M married) and the top 40% federal rate. The age-85 projection assumes your estate grows 5% per year and the exemption rises 2% per year. It does not account for state estate tax, portability elections, gifting, deductions, or future changes in the law — all of which we factor into a full analysis.
Schedule a Full Analysis A bill like this — here are the five ways to fund it →The federal exemption is now permanent at $15M per person. Here's why that doesn't end the estate planning conversation for high-net-worth families.
Read Article →A closer look at cross-purchase vs. entity-purchase agreements and how life insurance funds either structure.
Read Article →Illiquid, land-rich, cash-poor: why ag families face a unique estate tax problem and how to plan for it.
Read Article →We place coverage with a small group of carriers chosen specifically for their financial strength and their willingness to underwrite large, complex policies.
A leading provider of life insurance and annuities, Pacific Life brings decades of financial strength and flexible product design to premium financed and business-owned policies.
A mutual company built for the long term, Penn Mutual specializes in advanced underwriting for high-net-worth individuals and complex business succession cases.
One of the largest insurance and financial services companies in the country, offering the flexible policy structures large estate and business cases require.
A trusted name in life insurance for over 160 years, with strong jumbo-case underwriting capacity for the estates and businesses we work with.
A conversation costs you nothing. Not having one could cost your family millions.
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