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The Hidden Wealth Transfer: How Insurance Captives Control the Game
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Most real estate investors think insurance is just a cost of doing business. They're wrong.
Insurance is the ultimate wealth transfer mechanism—and most of us are on the losing side.
In this episode, I sit down with Tony DeFede from Union Risk to uncover how captive insurance programs work, why Warren Buffett has used them for decades, and how real estate investors can flip the script from paying premiums to collecting them.
What You'll Learn:
- Why insurance premiums have exploded 2-3x (and who's profiting)
- How captive insurance creates a new asset class you actually own
- The tax advantages that can save you hundreds of thousands annually
- Why the minimum $250K premium requirement might be worth it
- How to participate in the wealth transfer instead of funding it
Key Insights:
- The Lloyd's of London model that's been working for 337 years
- How Berkshire Hathaway turns your premiums into their investment profits
- Why the current hard insurance market is creating massive opportunities
- The real reason major carriers are "exiting" markets (spoiler: they're not losing money)
This isn't about saving money on insurance. It's about understanding how the wealthiest families have been quietly building empires through risk management for centuries.
For serious real estate investors and business owners who want to stop funding other people's wealth and start building their own systems of control.
The Timeless Investor Show explores the principles of building, preserving, and passing down real wealth across generations. Hosted by Arie van Gemeren, founder of Lombard Equities Group.
This episode pairs perfectly with our historical series on wealth transfer mechanisms. History doesn't repeat, but it rhymes—and the patterns are all there if you know where to look.
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