An Unbiased Review of Capital for Life in 2025

For many people, making sure that your family is taken care of if something were to happen to you is paramount. Whether you’ve just had children, you’re planning ahead, or you’re getting closer to retirement age, life insurance is something that many of us think about at one stage or another. After all, when you are building wealth, you often want to make sure that it’s not only protected, but allocated to your family members in the future. To do this, you’ll not only need to choose the right life insurance products, but you’ll need to find the right experts to work with.

Capital for Life is a global life insurance solutions firm specialising in tax-advantaged retirement and estate planning strategies. They also offer international tax solutions for high-net-worth (HNW) and ultra-high-net-worth (UHNW) individuals, families, and entrepreneurs around the world.

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In this blog post, we’re going to dive into an unbiased, honest review of Capitral for Life in 2025. Not only will we explore their services, but we’ll take a look at why they might be a life insurance provider for you, and key things you need to be aware of. Let’s get into it.

Direct Service for Global HNW Clients

Capital for Life currently has over $734 million in life cover placed and services over 227 countries around the world. But they are more than just a life insurance brokerage firm; they are also a key partner for HNW and UHNW clients and their advisors globally. They use Indexed Universal Life Insurance (IUL) to achieve strategic wealth objectives for their clients. One of the ways they do this is by working directly with a handful of clients, delivering bespoke solutions to suit their goals and individual situations.

The Pros

To help you get a clear understanding of Capital for Life and how the firm works, we’re going to explore some of the positive sides. Depending on what you’re looking for, you should find that these are some of the biggest selling points of choosing them as your life insurance firm.

Extensive Experience and Proven Track Record

The first thing to note is that Capital for Life has a proven track record. Not only does the founder, Carlton Crabbe, have over 27 years of experience in international life insurance solutions for HNW and UHNW individuals, but he also supports over 30 financial firms, private banks, and global tax professionals.

In terms of results, some of Capital for Life’s past placements of record include $31M Guernsey QNUPS-held IUL and various real estate purchases funded via IUL policy loans.

A Variety of Options for Private Clients

For private clients specifically, there are a number of solutions available. Capital for Life does offer that direct service for international HNW and UHNW individuals, across a wide range of scenarios and wealth goals. Some of the situations that Carlton and the team support include entrepreneurs who wish to secure liquidity on exit, families looking to prepare for inheritance tax (IHT) in the UK, and clients using QNUPS, Family Investment Companies, and trusts for wealth protection. With Capital for Life, you have a wide variety of options to secure and grow your wealth.

Independent IUL Product Reviews

One of the things that Capital for Life prides itself on is its transparency. They are the only global broker publishing independent, transparent, criteria-based Indexed Universal Life Insurance product reviews. As part of their integrity-based approach, they don’t just recommend products to their clients; they also demonstrate the logic behind them. So, if expertise is what you’re looking for, you’ll find it with them.

A Platform Specifically for Advisors

Alongside the support they provide for private clients, they are also built for financial advisors and their clients. Capital for Life regularly works with wealth managers to place large cash value life cover. As a part of this, every advisor has access to a full-service platform that comes with IUL underwriting and case design, compliance packs with structured rationale, and annual post-sale policy stewardship.

Advisors also have access to stress-tested premium projections, transparent product comparisons, and CPD-accredited training. This often makes case management easier for financial professionals, saving on average 10-12 hours per case. In turn, this improves the overall quality of the file and strengthens client trust.

The Cons

As with all unbiased reviews, it’s also important to consider some of the potential drawbacks that may surround Capital for Life. So next, we’re going to walk through some of the key things you may want to be aware of.

Minimums and Caps to be Aware of

Firstly, it’s essential to make sure that you’re aware of the minimums and caps that may apply to some of your accounts. While this isn’t necessarily limited to Capital for Life as a firm and can apply across the board, if you’re generally considering retirement or life insurance options, it’s still important to note.

For any premium finance loans you may be looking into, note that there is a minimum amount of $500,000. But a positive is that there is no maximum! Likewise, stock market returns are also capped between 7% to 9% by the insurer each year, so you may not get the full upside of the index.

Limited Availability

Again, not quite a negative, but we are looking to be as unbiased and transparent as possible here. If you are a private client interested in working directly with Carlton, there may be limited availability. He only takes on a handful of UHNW clients each year, so it’s key to bear that in mind.

The Wrap Up: Capital for Life Review Verdict

So, is it wise to work with Capital for Life in 2025? The overall answer is undoubtedly yes. It’ very clear to see that the firm has a vast amount of experience and a proven track record of exceeding client expectations. Whether you’re a wealth manager or advisor looking for a platform to manage your client’s wealth or you’re a private client looking for solid, sound Indexed Universal Life Insurance (IUL) strategies, you’ll find it with Capital for Life.