Some life insurance companies consider net worth when determining how much coverage they’ll provide. If you’re a high net-worth individual, you can use cash value life insurance to protect your business or family’s inheritance or use it as an investment strategy. Some life insurance policies may be a better investment and less volatile than the stock market. It’s important to work with a knowledgeable licensed life insurance agent and/or financial planner to determine the best combination of policies to meet your financial goals.