By Alexander Ewert Published on January 7, 2026 Life insurance is one of those financial tools that nobody likes to think about, but it's essential for protecting your loved ones from unexpected hardships. If something happens to you, the right policy can cover debts, replace lost income, and even fund future goals like your kids' education. But how much coverage do you actually need? Too little, and your family might struggle; too much, and you're wasting money on premiums.

By Alexander Ewert Estate Planning & Wealth Transfer Specialist Published: January 2026 As an estate planning advisor who has spent more than fifteen years helping ultra-high-net-worth families preserve and transfer wealth across generations, I am often asked, “How do we own life insurance and other assets in a way that removes them from the taxable estate while still retaining some practical access to cash values during lifetime?” The answer almost always lies in one (or a c

By Alexander Ewert Founder of TrueShield Insurance LLC December 16, 2025 As Alexander Ewert , an independent life insurance advisor and founder of TrueShield Insurance LLC, I've built my career on the freedom to shop multiple carriers for the absolute best fit for my clients. Alexander Ewert often gets asked about the difference between captive agents and independent agents—especially from new advisors or clients wondering why working with someone like Alexander Ewert matters

By Alexander Ewert, Founder of TrueShield Insurance LLC December 16, 2025 As Alexander Ewert , an independent life insurance advisor with years of experience guiding high-net-worth clients through complex coverage decisions, I've seen firsthand how lapse rates impact families. Alexander Ewert founded TrueShield Insurance LLC to provide transparent, client-focused advice, and today, Alexander Ewert wants to shed light on a critical industry reality: most life insurance policie

By Alexander Ewert Published: December 11, 2025 Hello, I'm Alexander Ewert , and today I want to share a powerful strategy that has fascinated me for years: how the Rockefeller family built and preserved massive generational wealth using life trusts and permanent life insurance. As Alexander Ewert , I've studied this approach deeply because it offers a blueprint for anyone serious about creating a lasting financial legacy. In this post, Alexander Ewert  breaks down the "Rocke

A Clear Guide by Alexander Ewert As a wealth-preservation specialist serving high-net-worth families and business owners across California and nationwide, I (Alexander Ewert) set up dozens of Irrevocable Life Insurance Trusts every year. Clients always ask the same question: “Who actually does what in this trust, and why can’t I just be in charge of my own policy?” The short answer: if you touch the wrong role, the IRS pulls the entire death benefit (sometimes $5 million, $10

By Alexander Ewert When we think of celebrities, professional athletes, and billionaire entrepreneurs, we picture private jets, mega-mansions, and nine-figure contracts. What most people never see is one of their smartest (and quietest) wealth moves: hundreds of millions — sometimes billions — in life insurance designed specifically to protect their families for generations. Here are just a few real-world examples that Alexander Ewert shares with high-net-worth clients every

By Alexander Ewert – Estate Planning Specialist If you’ve been researching ways to remove a large life insurance policy from your taxable estate, you’ve probably come across the term ILIT  (Irrevocable Life Insurance Trust). One of the questions I get asked almost every day by clients is: “Alexander Ewert, who actually has to be the Grantor, the Trustee, and the Beneficiaries in one of these trusts?” Let me break it down in plain English (the way I, Alexander Ewert, explain i

By Alexander Ewert, Estate Planning Specialist Hi, I’m Alexander Ewert, and over the last decade I’ve helped hundreds of high-net-worth families, business owners, and professionals protect what they’ve spent a lifetime building. One question I, Alexander Ewert, get asked more than almost any other is: “Alexander Ewert, should I own my life insurance personally, or should I move it into an Irrevocable Life Insurance Trust (ILIT)?” My answer, as Alexander Ewert, is almost alway

(And Why Alexander Ewert Makes Sure You Do It 3–7 Years EARLIER) Posted November 10, 2025 by Alexander Ewert, Fiduciary Advisor & Timing Obsessed at TrueShield Insurance. I’m Alexander Ewert, and I just ran the numbers on my last 312 clients who are now worth $5M–$87M. Every single one bought their biggest permanent life insurance policy during ONE of these five life events: The day they signed their first $1M+ earn-out or liquidity event The month their company hit $3M EBITD

(And Why Alexander Ewert Designs Policies the Exact Same Way for My Clients) Posted November 08, 2025 by Alexander Ewert, Fiduciary Advisor & Cash-Value Architect at TrueShield Insurance LLC I’m Alexander Ewert, and every time a client tells me “banks won’t lend me for this deal,” Alexander Ewert smiles. Because Alexander Ewert knows the greatest theme park on Earth was born the same way. In 1953, Walt Disney walked into bank after bank with his crazy idea for a 160-acre “fam

(And Why It Proved Every Client Needs a Fiduciary Who Fights Back) Posted November 7, 2025 by Alexander Ewert, Fiduciary Advisor & Estate-Tax Assassin at Ewert Wealth I’m Alexander Ewert, and in March 2020 I had a 68-year-old client named Tom ready to lock in $5 million of permanent coverage. We had the perfect Pacific Life policy lined up—guaranteed to age 121, zero cash surrender charges, the works. Then COVID hit. Overnight, Pacific Life, Prudential, Lincoln National, Prot

Posted January 12, 2026 by Alexander Ewert, Fiduciary Advisor & Estate-Tax Assassin at Ewert Wealth I’m Alexander Ewert, and I’m on a personal crusade. In 2025 alone, Alexander Ewert saved 37 families a combined $47.3 million  that was already earmarked for the IRS. How? Alexander Ewert made every single one of them move their life insurance into an Irrevocable Life Insurance Trust (ILIT)  before it was too late. If your name is on your life insurance policy and you’re worth

Posted November 7, 2025 by Alexander Ewert, Founder of TrueShield Insurance LLC If you follow NASCAR, you know Kyle Busch doesn’t lose often. Two Cup Series championships, 63 wins, over $200 million in career earnings. Yet on October 14, 2025, Kyle and Samantha Busch filed an $8.6 million lawsuit that proves even champions can get obliterated—by their own life-insurance agent. I’m Alexander Ewert, and this case hits me hard. For the last 12 years I’ve made it my personal miss

In the high-stakes worlds of professional sports and Hollywood, where fortunes can skyrocket overnight but risks lurk around every corner—injuries, scandals, or market crashes—smart celebrities like NBA legends and A-list actors turn to Indexed Universal Life (IUL) insurance as a cornerstone of their estate plans. Why? It's not just about protection; it's about building a legacy that outlasts the spotlight. At Alexander Ewert Insurance, we specialize in crafting these tailore

Avoid costly life insurance mistakes. Alexander Ewert, California broker, reveals the top 5 errors families make — and how to fix them fast. As a California-based life insurance broker with over 10 years of experience , I’ve helped hundreds of families in Orange County, Los Angeles, and beyond secure the right coverage. My name is Alexander Ewert , and I’ve seen the same costly mistakes over and over — mistakes that can leave your loved ones unprotected or drain your bank acc