How HNWIs Use Captive Insurance in 2025 to Legally Eliminate Taxes

HNWIs use captive insurance in 2025 to legally eliminate taxes and protect assets offshore

How HNWIs Use Captive Insurance in 2025 to Legally Eliminate Taxes

For decades, Captive Insurance was considered a strategy reserved for Fortune 500 companies. But in 2025, high-net-worth individuals (HNWIs) are leveraging it to create tax shelters, asset protection, and intergenerational wealth vehicles — legally.

A Captive is a private insurance company you own. Instead of paying premiums to a third-party insurer, you pay yourself — and can control the capital, risk pool, and reinvestment strategy.

How It Works

You set up a Captive insurance company (usually offshore)
Your main business pays tax-deductible premiums to the Captive
The Captive accumulates income tax-deferred, often tax-free
With proper structure, proceeds can be transferred to heirs tax-advantaged

Why It's Exploding in 2025

IRS safe harbor thresholds have shifted. Reinsurance markets are broader. And offshore structures like those in Anguilla, Nevis, and Bermuda now allow fully remote formation for U.S. persons with compliant filings.

Who Helps Structure It?

Platforms like StartGlobal are increasingly offering white-glove solutions that integrate U.S. LLCs, offshore Captives, and trust overlays — all remotely, legally, and audit-ready.

If you're earning over $500K/year and want to keep more of it, this is the strategy you’re not hearing enough about.

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