Companies such as Utmost Wealth Solutions provide insurance-based solutions to high-net-worth clients who want to maintain and pass on their wealth. Life insurance is a robust and proven solution, which assists in financial planning, enabling clients to pass on their wealth in a controlled manner.

Typically used by UK expatriates to enable effective management of local taxes whilst abroad with the additional benefit of a favourable tax treatment if and when they eventually return to the UK where the product benefits from gross returns (until encashment) as well as tax deferred withdrawals.