Manulife sells $300 million life insurance policy For wealthy families, wealth usually exists in the form of corporate equity, real estate, and other forms. When a generation leader passes away, heirs often face enormous liquidity pressure - whether it's paying high inheritance taxes or dealing with corporate debt, if they don't have enough cash in hand, they may be forced to "sell" core assets at market lows. And a large policy solves exactly this problem: Instant liquidity: Insurance claims do not go through a lengthy probate process, providing immediate "life-saving money" for heirs. Avoiding forced selling: With this cash, the family does not need to sell assets under pressure, thus making optimal financial decisions. Estate Equalization: For children who do not participate in the family business, insurance benefits can be used as a tool for fair distribution, avoiding grudges between wealthy families. Index Universal Life (IUL) is favored by high net worth individuals worldwide, especially financial professionals and entrepreneurs. Its core lies in the account structure that combines offense and defense: Fixed account: earn fixed returns and ensure the safety of the bottom position. Index account: Linked to market indices (such as the S&P 500). Core advantage: "There is a guarantee at the bottom and a cap at the top". Index accounts usually enjoy a guaranteed return of 0%, and even if the market drops sharply, customers will not lose their principal; And when the market rises, one can also enjoy the dividend of index increase (although there is a limit) Life insurance policy wealth inheritance risk isolation dividend cash flow capital preservation