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Comprehensive Life Insurance Solutions for Executives, Individuals and Family Offices
At Brown & Brown, we help successful individuals, families, business leaders, and charities navigate the complexities of life insurance with clarity and confidence. Whether for income protection, wealth transfer or long-term legacy, our life insurance specialists offer bespoke strategies built around your goals.
Our team takes a consultative approach, starting with a deep understanding of your current priorities and long-term goals. Whether to protect your family, implement advanced estate planning structures or business continuity strategies, we collaborate with you and your advisors to develop life insurance solutions that meet your unique needs and vision.
Brown & Brown Capabilities for Long-Term Life Insurance and Legacy Strategies
The Brown & Brown Life Practice combines deep and broad knowledge with commitment to our customers. Life insurance by itself is merely a product, but when applied strategically and with careful design, it can produce extraordinary value.
Unlike other financial instruments, life insurance is designed to provide benefits for long durations. Making it efficient and effective requires special knowledge. What sets us apart is our ability to integrate deep insurance knowledge with financial, tax, and legal insight. Important and sophisticated professionals—lawyers, accountants, family offices, trust companies, and investment advisors—have looked to us to guide them and their customers through the life insurance acquisition process.
Because we manage some of the largest and most complex insurance portfolios, including multi-generational portfolios, Brown & Brown brings unmatched specialization to every customer relationship. Properly structuring and managing life insurance portfolios is not only complex, but it also requires a team of professionals from different disciplines. We are and always have been carrier-agnostic, offering the best possible solutions with only one bias: Is it the best solution for the customer? Our in-house underwriting and policy management helps your coverage perform as intended—evolving with your life, goals, and legacy.
Life Insurance as a Strategic Tool for Financial and Legacy Planning
Life insurance protects your loved ones, your business and its key personnel, and your legacy from the unexpected. We enable you to deploy life insurance to provide certainty in an uncertain world and help you preserve what you have achieved with confidence.
At Brown & Brown, we offer access to a full spectrum of life insurance products, including term, universal, variable, and private placement policies. Our specialists go beyond product selection—we analyze contract structures, performance expectations, and risk factors to help you make well-informed decisions. We also bring specialized underwriting capabilities to the table, helping you navigate complex medical and financial scenarios to secure the most favorable policy terms.
We design plans that provide income protection, safeguard retirement assets, and support multi-generational wealth planning.
We address succession planning, key person risk and buy-sell agreement funding with precision and foresight. Our work also extends to international families with cross-border estate and tax concerns, offering globally informed solutions.
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We design plans that provide income protection, safeguard retirement assets, and support multi-generational wealth planning.
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We address succession planning, key person risk and buy-sell agreement funding with precision and foresight. Our work also extends to international families with cross-border estate and tax concerns, offering globally informed solutions.
In a world where success brings complexity, our job is to bring clarity—and to make sure your life insurance strategy supports not only what you’ve built, but what you want to leave behind.
Visit Brown & Brown Personal Lines for more information on custom tailored property and lifestyle protection.
Additional Resources
How Changes to Federal Estate and Gift Tax Exemption May Impact Wealth Transfer
Significant tax changes are on the horizon for high-net-worth (HNW) individuals and families. The current historically high federal estate and gift tax exemptions are set to “sunset” at the end of 2025, which will lead to a substantial increase in ...
Market Trends
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What the Big Beautiful Bill Means for 2025 Estate Planning
Last year, we explored the risks tied to the scheduled sunset of the Tax Cuts and Jobs Act (TCJA) and the implications for wealth transfer.Explore Other Financial and Wealth Services
Connect with Brown & Brown
Brown & Brown helps individuals, executives, and family offices design comprehensive life insurance strategies aligned with financial, estate, and legacy goals. Connect with our advisors to explore customized approaches that support long-term wealth preservation and multi-generational planning.