How do advisers address the complex needs of HNW clients?

Placing life insurance policies for HNW clients

clock • 4 min read

Holly Hill explore how advisers can best serve the high net worth community and deal with their complex needs

There are a number of additional things to consider when placing large life insurance policies for high net worth (HNW) individuals. These clients will typically be more challenging from both a financial and medical underwriting perspective given the atypical nature of their financial affairs and personal hobbies, and advisers must be prepared for this from a client handling and expectation management standpoint. Working with other advisers It is important to note that HNW clients typically have a wider advice team supporting them. This might include lawyers, accountants and trustee...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Your profession

UK financial services M&A outpaces global deals in H1 as value surges eightfold

UK financial services M&A outpaces global deals in H1 as value surges eightfold

EY analysis

clock 07 July 2026 • 2 min read
Treasury Committee calls out 'mis-sold' student loans

Treasury Committee calls out 'mis-sold' student loans

An ‘unfair and broken system’ as report urges government to reverse frozen threshold

Sophia Panayi
clock 07 July 2026 • 4 min read
'Calm, strategic voice': Advising HNW clients going through a divorce

'Calm, strategic voice': Advising HNW clients going through a divorce

In HNW cases, divorce settlements are rarely straightforward

Kate Van Rol
clock 07 July 2026 • 5 min read