Mark Hollenstein
Head of Business Development, Business Management
Insurance, when structured strategically, can serve as a powerful planning tool for ultra-high-net-worth families. At Alpen, we use sophisticated solutions such as Universal Life Insurance (ULI), Variable Universal Life (VUL) and Private Placement Life Insurance (PPLI) to support succession planning, tax efficiency and asset protection. These are not standard products to be sold but tailored instruments designed to strengthen long-term wealth strategies across jurisdictions.
At Alpen, we integrate advanced insurance structures into broader wealth strategies, focusing on outcomes such as tax deferral, inheritance liquidity and generational continuity. We coordinate with trusted providers, tax specialists and legal advisers to design frameworks that suit each family’s needs. Insurance is not treated as an investment or mass-market solution but as a planning instrument tailored to cross-border realities. For internationally connected families with multi-jurisdictional ties, our approach seeks to provide clarity, compliance and flexibility over time.
ULI combines lifelong cover with flexible structuring, making it valuable for succession and inheritance planning. At Alpen, we use ULI in contexts where families require liquidity for inheritance tax, long-term protection and efficient transfer mechanisms. Policies are selected and structured according to jurisdictional requirements and coordinated with tax and legal partners. The focus is on integration, ensuring ULI complements trusts, governance frameworks and global wealth strategies rather than existing in isolation.
VUL provides flexibility in premium design and structuring, which may be used as a planning tool for clients with complex income and inheritance profiles. At Alpen, we coordinate VUL strategies with a view to tax deferral and portability. We work with trusted providers to help establish policies within compliant frameworks, adapted for multi-jurisdictional families. VUL is used selectively to complement succession planning, governance and wealth transfer strategies, with a focus on supporting long-term alignment rather than short-term results.
PPLI is a sophisticated solution designed for UHNW families with international planning needs. At Alpen, we use PPLI as part of strategies that may address tax efficiency, inheritance planning and asset protection. PPLI allows customisation and transparency, but its real value lies in integration with broader wealth frameworks. We coordinate closely with tax advisers, helping to align structures across jurisdictions, while reflecting family objectives, particularly for multi-jurisdictional clients.
Our insurance experts combine deep market knowledge with a holistic view of wealth planning. By aligning protection strategies with long-term goals, they provide clarity, security and confidence for every stage of life.
Mark Hollenstein
Nicolas Gabris
Denis Da Silva
Cornelia Daniel
At Alpen Partners, we provide insurance solutions services in Switzerland designed to support your unique financial needs. As a leading firm in Swiss discretionary investment management services, we offer:
Navigate the complexities of managing and safeguarding your wealth with our professional advisers, experienced in Swiss and international financial markets.
Benefit from our familiarity with the Swiss financial market and its regulatory environment.
Receive personalised wealth management plans that take into account your financial goals and risk profile.
Access a full suite of services including investment planning, tax optimisation and inheritance planning.
We strive to deliver high-quality services aligned with our clients’ objectives.
Insurance is never positioned as a stand-alone product to be purchased but as a strategic tool within long-term planning.
These questions are frequently asked in relation to insurance solutions.
Insurance solutions, when designed strategically, may serve as powerful tools for wealth planning. At Alpen, we use ULI, VUL and PPLI not as products, but as instruments for inheritance structuring, tax efficiency and asset protection. Our role is to coordinate design and implementation with trusted advisers, ensuring policies align with family priorities and international obligations. For multi-jurisdictional families, Switzerland may offer a discreet and stable base. By embedding insurance into broader strategies, we create continuity, resilience and clarity. Properly integrated, insurance supports long-term planning, generational wealth transfer and compliant cross-border structuring.
At Alpen, insurance is never positioned as a stand-alone product to be purchased but as a strategic tool within long-term planning. Universal Life Insurance (ULI), Variable Universal Life (VUL) and Private Placement Life Insurance (PPLI) can each play a role in liquidity for inheritance tax, tax deferral and asset protection. Their potential value lies not in policy mechanics, but in how they are integrated with broader governance and wealth frameworks.
We collaborate with trusted legal and tax advisers to design strategies that fit the family’s global footprint, ensuring compliance in every jurisdiction. Our independence allows us to focus on quality and suitability rather than distribution. When used thoughtfully, these insurance structures support succession, inheritance efficiency and multi-generational continuity. We treat insurance as one element of a disciplined plan, not an investment or speculative instrument, with the goal of giving families confidence that wealth strategies remain robust across jurisdictions and time horizons.
For families with residences, businesses or investments in multiple countries, structuring wealth efficiently is complex. Insurance can provide a portable, consistent framework that unifies planning across borders. At Alpen, we design ULI, VUL and PPLI strategies that integrate with trusts, holding vehicles and inheritance structures, supporting continuity wherever clients reside. This is particularly relevant for families balancing both domestic and international regulations. Structuring across jurisdictions requires collaboration with specialist advisers, as rules differ between countries and evolve over time. Insurance can help mitigate complexity by offering predictable liquidity, tax-deferral mechanisms and asset protection features within compliant frameworks. We aim to align each policy with the client’s objectives, support reporting obligations and remain adaptable. The goal is not to add layers of administration, but to simplify oversight, providing clarity and stability for families whose wealth spans borders and generations.
Estate planning often requires liquidity at specific moments — to cover inheritance tax, to fund succession or to equalise distributions between heirs. Insurance is uniquely positioned to provide that liquidity with efficiency and discretion. At Alpen, we use ULI, VUL and PPLI structures as part of inheritance strategies that coordinate with trusts, governance frameworks and legal requirements. These solutions also support asset protection when structured correctly, safeguarding wealth from creditor claims or unforeseen disputes within compliant frameworks. Our role is not to sell policies, but to ensure they integrate seamlessly with existing plans, supporting continuity without unnecessary complexity. Insurance adds resilience, ensuring families are not forced to sell long-term holdings or disrupt portfolios to meet obligations. When coordinated with trusted advisers, insurance becomes a cornerstone of inheritance planning, delivering stability and protecting both assets and harmony across generations.
Wealth transfer is one of the most delicate aspects of family planning. At Alpen, we design insurance strategies to provide predictability and structure during generational transitions. ULI may deliver liquidity at key moments, VUL allows flexibility to adapt to evolving needs and PPLI accommodates complex tax and cross-border considerations. Together, these solutions support smooth transitions while preserving family priorities. Continuity is about more than money. It is about values, governance and harmony.
Insurance can fund philanthropic initiatives, provide liquidity for charitable foundations or ensure fairness in family distributions. By embedding insurance into long-term governance frameworks, we help families preserve unity and stability. Our focus is on discretion and alignment with multi-generational vision, ensuring strategies endure across decades. Properly structured, insurance supports families in achieving continuity, protecting assets and sustaining a legacy that extends beyond financial wealth into shared purpose and long-term resilience.
At Alpen, financial planning goes beyond investment performance. It is grounded in trust, long-term relationships and a structured approach aimed at clarity and transparency. You remain in control where it matters most, while drawing on professional expertise where this adds real value. In this way, your portfolio is managed in line with your personal vision, your family’s priorities and the legacy you wish to shape.
Pierre Gabris
Your contact for Insurance solutions
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