Liquidity, Legacy & Leverage.
Life insurance is more than just a policy – it’s a powerful tool that can provide immediate liquidity, cover estate duties, protect your business, and ensure your loved ones receive their rightful inheritance without financial strain.
At Carrick Consult, we view life cover and related financial policies as essential pillars in any robust estate and business plan.
Our Policy Silo is dedicated to helping you align your insurance and risk planning with your broader wealth and succession strategies. We work closely with clients and financial advisors to assess current coverage, identify gaps, and implement structured solutions that complement the other three silos: trust, estate, and business.
Our Policy Planning Services Include:
Estate
Liquidity Planning
One of the most common causes of estate delays and distress is a lack of available cash to pay taxes, debts, and executor fees. We help you structure life insurance policies to ensure your estate has sufficient liquidity—preventing the forced sale of assets or delays in inheritance distributions.
Policy Structuring for
Tax Efficiency
The way a policy is owned and who the beneficiaries are can significantly affect the tax outcome. We advise on structuring policies—whether in a trust, business, or personal capacity—to maximize tax benefits and reduce unnecessary liabilities.
Business
Insurance Solutions
We assess keyperson insurance, contingent liability cover, and policy funding for buy & sell agreements to protect your business against unexpected events. These solutions are critical for maintaining operational continuity and funding succession plans.
Policy Integration
With Trusts & Estates
Life policies can play an essential role in trust and estate planning. We ensure your policies are appropriately assigned or nominated to support trust structures or fund testamentary bequests—bridging the gap between your wishes and the practical execution of your legacy plan.
Why the Policy Silo Matters
Without the right insurance strategy, even the most detailed estate or business plan can fall short. Carrick Consult ensures that your risk planning is not only comprehensive but also integrated—serving your long-term vision with precision and care.
Policies aren’t just paperwork – they’re promises.
Let’s make sure they’re fulfilled.
Connect with our Team of
Fiduciary Specialists
Our team of specialists look forward to offering you expert advice and unrivalled experience.