Some think of insurance as paperwork—a checkbox on the to-do list. But done right, it’s a powerful financial tool. High-net-worth insurance does more than defend wealth: It also smooths transitions, protects assets, and keeps your financial future on track.

We build strategic insurance plans designed to:

  • Replace income in times of crisis
  • Protect businesses from disruption
  • Cover tax burdens that could drain your estate
  • Safeguard investments, properties, and family wealth

Our approach combines precision with foresight, ensuring your insurance plan is sharp, effective, and structured to minimize risk.

High-Net-Worth Life Insurance: Because Wealth Deserves Protection

For families, life insurance is peace of mind—knowing your loved ones can maintain their lifestyle, pay the mortgage, and secure future opportunities. For business owners, it’s a shield—a way to stabilize the company you’ve built while protecting your family’s financial future.

High-net-worth life insurance offers protection where traditional coverage falls short. Bigger estates. Larger financial footprints. Unique tax risks. We design insurance plans that deliver:

  • Liquidity When It’s Needed Most: Cover estate taxes, legal fees, or debts without selling assets
  • Business Continuity: Fund buyouts, shareholder agreements, or business transitions if a partner passes away
  • Wealth Preservation: Ensure your legacy reaches your children, grandchildren, or chosen charities—intact and secure

Critical Illness Insurance: A Financial Lifeline When Health Falters

A single diagnosis can change everything. Medical bills. Lost income. Extra care costs that pile up faster than you expected. Critical illness insurance steps in with a tax-free lump sum—fast cash when you need it most.

It’s money that’s yours to use however you want:

  • Cover treatments or experimental care
  • Replace lost income while you recover
  • Keep your business running or pay staff
  • Cover mortgage payments or daily expenses

Critical illness insurance isn’t just for retirees—it’s vital for business owners, executives, and professionals whose income drives their family’s financial security.

Disability Insurance: Protecting Your Most Valuable Asset—Your Income

For high-income earners, a sudden disability isn’t just a health issue—it’s a financial crisis. Bills keep coming. Investment plans falter. Debt piles up.

Disability insurance ensures your income doesn’t stop—even if you do. For business owners, it’s equally essential. Without you at the helm, cash flow can grind to a halt. We build custom disability insurance plans that protect your personal income, business cash flow, and family’s financial stability.

  • Income Replacement: Cover expenses and maintain your standard of living if you’re unable to work
  • Business Continuity: Ensure key employees or leadership teams can access funds to keep operations running
  • Debt Protection: Safeguard your family’s finances from loan defaults or mortgage burdens

Whether you need disability insurance or a business income protection plan, we build strategies that match your financial footprint.

Insurance in Estate Planning: Shielding Wealth from Taxes

Big estates attract big taxes. Without careful planning, a lifetime of hard work can get carved apart by probate fees, legal costs, and unexpected tax bills.

High-net-worth life insurance is designed to stop that from happening. By creating liquidity, life insurance ensures your heirs won’t be forced to sell properties, investments, or business assets just to pay the tax bill.

At Wherry & Associates, we build insurance plans that:

  • Minimize tax burdens during estate transfers
  • Provide immediate cash to cover estate fees
  • Keep wealth intact so it reaches the people who matter most

Business Protection: Insurance That Secures Your Legacy

Business owners can’t afford gaps. If something happens to you—or a key employee—the fallout can be massive.

We design high-net-worth insurance strategies that stabilize businesses in times of uncertainty.

  • Buy-Sell Agreements: Ensures ownership transitions are smooth and conflict-free
  • Key Person Insurance: Replaces lost income or funds a replacement if a vital employee can’t continue
  • Debt Protection: Shields your family from business-related liabilities if you’re gone

For business owners seeking employee benefits that retain talent and protect staff, we offer plans that prioritize both employer budgets and employee needs.

Insurance Planning That Moves With You

Life doesn’t follow a script. Health changes. Wealth grows. Families expand. Businesses evolve.

Your insurance strategy must stay agile—able to shift and expand as your financial world evolves. At Wherry & Associates, we build insurance plans that grow with you—flexible, powerful, and aligned with your goals.

Let’s build a plan that protects everything you’ve built—so you can live confidently today, knowing tomorrow is secure.

Contact Wherry & Associates today to start building your high-net-worth insurance plan.