Estate Equalisation and Other Knowledge Gaps in Insurance
When wealth is tied up in a business, farm, or property, insurance needs to do more than provide a payout. Estate equalisation, business succession, debt exposure, and beneficiary arrangements all require careful planning to ensure assets can transfer as intended without creating financial strain, family disputes, or forced asset sales. This article explores the often-overlooked gaps between insurance, estate planning, and business structures, and why integrating these elements is critical to protecting family wealth across generations.