Captive insurance trust structures legally used by HNWIs to protect and grow assets in 2025's regulatory landscape. Captive Insurance Trusts: A Legal Way to Shelter Millions In 2025, captive insurance trusts have become one of the most powerful tools for high-net-worth individuals (HNWIs) looking to shelter wealth within legal boundaries. These structures allow individuals or businesses to form their own insurance company, insure their own risks, and capture the premiums—within a trust-based framework. How It Works A captive insurance company is created and owned by the insured. When structured within a trust, it allows the settlor to manage risks, accumulate capital, and legally minimize tax liabilities under Section 831(b) or similar frameworks. The trust ensures that the captive entity remains outside the direct control of the individual, satisfying regulatory requirements. Benefits for HNWIs Tax-deferred premium accumulation Asset protection from lawsuits or cred...