The saying "shirtsleeves to shirtsleeves in three generations" captures a common reality: wealth rarely endures without intention. In our latest Fiduciary Insights, Jaco Gouws, Head of Proposition and Business Development at Private Clients, explores the often-overlooked role life cover can play in estate, succession and legacy planning for high-net-worth families. Using the real-life contrast between the Rockefellers and the Vanderbilts, he highlights how life cover isn’t about death, but about design and emphasises the importance of working with a fiduciary specialist to create structures that endure.