With costs continuing to grow and life expectancy increasing, your retirement savings may need to last 25 to 30 years or more.
We help individuals and families preserve generational wealth through structured planning & strategies including life insurance, long-term care coverage & annuities. These tools can help manage estate cash flow, reduce financial risk, and support long-term financial continuity across generations.
Preserve your legacy with UBS insurance planning
For 30+ years in the US, we’ve helped clients use insurance to preserve long-term wealth. Your UBS Financial Advisor can connect you with life insurance, long-term care, and annuity solutions that fit seamlessly with your investment, tax, and estate plans. Together, we’ll adapt your coverage as your needs evolve so you can protect what matters most and pass on your legacy.
What is insurance planning in wealth management?
Insurance planning is an important part of wealth management, helping you protect your family, secure your lifestyle, and shape the legacy you want to leave. Below, we highlight how life insurance, long-term care, and annuities can support your long-term goals.
Wealth preservation
Insurance can help preserve assets, reduce exposure to risk, and maintain long-term financial security.
Retirement stability
Tailored insurance solutions can support retirement, cover healthcare needs, and protect your lifestyle.
Tax efficiency
Life insurance can provide cash flow to ease estate taxes, helping to ensure a smooth transfer of wealth to heirs upon your death.
Legacy and succession
Insurance strategies can support your inheritance gifts, fund your family business, and provide efficient ways to transfer your wealth.
Asset protection
Insurance is essential for mitigatingrisk and to help protect your wealth from major losses.
Philanthropic impact
Insurance can fund your charitable giving immediately and extend the impact of your philanthropy beyond your lifetime.
Integrating insurance into your wealth strategy
Knowing insurance matters is one thing; making it work for you is another. With UBS, we guide you and connect you to established providers so insurance becomes a seamless part of your wealth plan, helping you manage risks, adapt to life’s changes, and move forward with clarity.
Life insurance
Our life insurance solutions help you protect your family, preserve your business, and secure your legacy. We provide tailored strategies that match coverage with your goals, safeguard retirement, and ease uncertainty for your loved ones.
Long-term care (LTC) insurance
Our long-term care coverage helps you maintain independence, protect savings, and ease the burden on family. We guide you in choosing flexible strategies that bring financial security and confidence throughout retirement.
Annuities
Our annuity solutions can help provide guaranteed income, tax advantages, and protection from volatility. We help you customize annuity options to fit your retirement needs, giving you confidence and stability as your life circumstances evolve.
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Permanent life insurance
Designed for enduring protection and lasting financial impact
Permanent life insurance provides enduring protection that not only safeguards your loved ones but also builds dependable cash value over time, creating a foundation of stability that grows with you throughout life’s changes.
Understanding our expertise
Our team of experts works closely with individuals, families and business owners to craft bespoke insurance planning strategies that can preserve their wealth, safeguard their legacy, and plan for the unexpected.
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Insurance products, including annuities, are made available by UBS Financial Services Insurance Agency Inc. and by other insurance licensed subsidiaries of UBS Financial Services Inc. through third-party insurance companies unaffiliated with UBS Financial Services Inc.
Long-term care insurance may have a number of particular exclusions, limitations, reduction in benefits or other terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, clients should contact their UBS Financial Advisor. Neither UBS Financial Services Inc. nor its employees (including its Financial Advisors) provide tax or legal advice. You should consult with your legal counsel and/or your accountant or tax professional regarding the legal or tax implications of a particular suggestion, strategy or investment, including any estate planning strategies, before you invest or implement.
Important information about brokerage and advisory services. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker-dealer. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that you understand the ways in which we conduct business and that you carefully read the agreements and disclosures that we provide about the products or services we offer. For more information, please review client relationship summary provided at ubs.com/relationshipsummary
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2025-1846900
Expiration : 13/10/2026 Review Code: 4849598