Two professions that rarely talk to each other
Estate attorneys and financial planners build the legal and financial structure around a client’s assets, trusts, LLCs, succession plans. Insurance is supposed to protect exactly what that structure holds, but in practice, the insurance conversation and the estate planning conversation usually happen in separate rooms, with separate people, at separate times.
Where the disconnect actually causes problems
- A trust holds real estate, but the insurance policy is still in an individual’s name, which can complicate a claim exactly when clarity matters most
- An LLC owns investment property, but the umbrella policy was never confirmed to actually extend to entity-held assets
- An estate plan assumes insurance will cover a specific scenario that the actual policy language doesn’t address
Talk to a specialist
Have a question about how this applies to your specific property? A quick conversation is faster than reading the rest of this guide.
What direct coordination looks like
With your permission, we work directly with your estate attorney or financial planner rather than relaying information through you as an intermediary. That means fewer gaps between what your legal structure assumes and what your insurance actually does.
An estate plan and an insurance policy that were never checked against each other usually assume things about one another that aren’t true.
Why this is part of our standard process
We treat this coordination as a normal part of the full asset review for any client with an estate attorney or financial planner already in place, not an unusual accommodation.