High-Net-Worth Asset Protection

Executive Summary

Above $2M net worth, standard carriers stop being adequate. Private-client markets, scheduled assets, and excess umbrella become essential. This wealth protection 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

• Move to Chubb/AIG Private Client/PURE
• Schedule jewelry, art, and watches
• Carry $5M+ umbrella above all underliers
• Add kidnap/ransom + 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
• Coordinate with estate attorney + CPA every 24 months

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.

• 1Move to Chubb/AIG Private Client/PURE
• 2Schedule jewelry, art, and watches
• 3Carry $5M+ umbrella above all underliers
• 4Add kidnap/ransom + cyber riders
• 5Annual private-client risk review
• 6Coordinate with estate attorney + CPA every 24 months

FAQ