Wealth Defense
High-Net-Worth Insurance Carriers
Above $2M net worth, standard carriers fall short on limits, claims service, and scheduled coverage.
Executive Summary
Above $2M net worth, standard carriers fall short on limits, claims service, and scheduled coverage. This wealth defense brief synthesizes peer-reviewed research, regulatory data (NAIC, BLS, Federal Reserve SCF, FEMA, SSA), and InsuranceQuoteToolkit's proprietary HRI and FSI scoring models. Use it as a decision-grade reference — not a marketing overview.
Key Takeaways
- Chubb / AIG Private Client / PURE
- Cash-out replacement for dwellings
- Scheduled jewelry, art, watches
- Kidnap + cyber riders
Research-Backed Guidance
The findings above draw on multi-source household-resilience research. Our review process triangulates federal data sets (BLS Consumer Expenditure, Federal Reserve SCF, NAIC market conduct filings), longitudinal academic studies, and the InsuranceQuoteToolkit national resilience panel. Read our methodology center for full scoring and weighting details.
- • Federal Reserve Survey of Consumer Finances — liquidity & net worth distributions
- • Bureau of Labor Statistics CEX — household burn-rate baselines
- • NAIC consumer publications — coverage prevalence and gap analytics
- • FEMA National Risk Index — geographic peril exposure
Practical Recommendations
- Annual private-client risk review
- Use a private-client broker, not retail
Action Checklist
Print or screenshot this list. Move from a Moderate to Strong tier on the relevant index by completing each item within 60–90 days.
- 1Chubb / AIG Private Client / PURE
- 2Cash-out replacement for dwellings
- 3Scheduled jewelry, art, watches
- 4Kidnap + cyber riders
- 5Annual private-client risk review
- 6Use a private-client broker, not retail
FAQ
Why switch carriers?
Standard carriers cap limits and struggle on complex claims at this level.