UBS Wealth Management USA

Q: Why should I consider insurance planning?

Insurance planning within wealth management helps you prepare for life’s uncertainties while keeping your long-term financial goals on track. Built into your overall strategy, it can give you cash when you need it, keep your plan steady during setbacks, and help ensure a smooth transfer of wealth to the next generation.

Q: How can I use insurance to protect my wealth?

You can preserve your wealth with insurance through protecting assets, creating tax advantages, and planning for future generations. UBS Financial Advisors can connect you with leading insurance providers and structure solutions that fit into your overall wealth plan.

Q: What happens to my life insurance if I pass away?

If you pass away, your life insurance policy will pay out a benefit to the beneficiaries you have designated. The exact outcome depends on the type of policy, your terms, and whether the policy is in good standing at the time of your passing. This helps to ensure your loved ones or heirs are supported the way you wished.

What is insurance planning in wealth management?
Integrating insurance into your wealth strategy
Understanding our expertise

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.

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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.

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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.

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.

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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.

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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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Our Advisors can guide you in protecting what you value most.
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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.

Individuals and families

We help you shape a financial future that supports your goals, for yourself and the people who matter most, now and in the future

Ultra-high net worth investors

Our Advisors offer strategic insight and planning support to help you manage significant wealth with confidence and create a lasting impact for future generations

Specialized client segments

We recognize the uniqueness and complexity of your financial world. Our customized solutions reflect your individual priorities, values and long-term ambitions.

Companies & organizations

Our workplace solutions, retirement planning, and incentive programs help businesses reinforce their financial strategies while supporting the well-being of their employees.

FAQs about insurance planning

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Why should I consider insurance planning?

How can I use insurance to protect my wealth?

What happens to my life insurance if I pass away?

Can insurance help protect my business or other investments?

Yes. The right insurance can help safeguard your business and keep it running through unexpected events. Whether it’s protecting cash flow, covering the loss of a key partner, or supporting a smooth ownership transition, solutions like life insurance, key person coverage, and buy-sell agreements can make a real difference. Our Advisors will work with you to shape these strategies around your vision to protect your future.

How do I choose the right policies for asset protection?

Choosing the right insurance to protect your assets means coordinating your insurance, legal strategies, and financial planning with your risk profile, net worth, and long-term vision. Asset protection is about preserving wealth, maintaining privacy, and reducing liability exposure. A UBS Financial Advisor can help you look at your options and select insurance strategies that support your overall financial goals.

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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.

2025-1846900

Expiration : 13/10/2026 Review Code: 4849598

Insurance planning to help you protect what matters most

Wealth preservation

Retirement stability

Tax efficiency

Legacy and succession

Asset protection

Philanthropic impact

Life insurance

Long-term care (LTC) insurance

Annuities

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Estate planning

Wealth planning

Retirement planning

Mortgage planning

Long-term care planning

Investing

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