Cover is not the same as accessible cash
Policy proceeds do not automatically bypass probate. Ownership, valid nominations, trust arrangements, jurisdiction and claim requirements affect payment. Have the actual arrangements checked.
The 300 Year Legacy Framework
When Wealth Must Become Cash: The Family Liquidity Brief
What would need paying before the rest of the plan catches up?
A valuable estate can still face a cash shortfall. Map the timing, recipient and availability of funds before considering insurance or another funding source.
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Your working notes
Use broad descriptions, not account numbers, medical details or identity numbers. Repeat a section in your own copy for additional assets or options.
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| Example cover | Question to test |
|---|---|
| USD 1 million | Which verified cash calls would it meet? |
| USD 2 million | Who would receive it and at what time? |
| USD 3 million | What need, affordability and underwriting evidence is required? |
The cash calls
What needs paying, by whom, and when?
Funds available at that time
Can the right person actually access each source?
The roles are different
Who holds which role in any proposed policy?
Test the dependencies
What could delay or reduce the funds?
Consider more than insurance
What are the trade-offs of each available source?
Your next decision
Record what needs checking before you commit to anything.
Product choice comes later
Term, whole life and universal life insurance have different functions, costs and risks. For indexed universal life, examine charges, crediting assumptions, premiums needed to keep cover in force and stress cases. No eligibility or underwriting outcome is assumed here.
Background reading: MoneySense on endowment insurance, universal life risks and estate transfer arrangements. Product terms and personal circumstances must be checked separately.
Request a confidential liquidity discussion.
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Explore the Private BriefingWorksheet issued 2026-10-09. Review the actual documents and arrangements before acting.