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Zive said. That means providing plenty of documentation so the insurance carrier knows that the amount of insurance being applied for is a realistic number. “Simply because you want to buy it doesn’t mean it’s necessarily available to you,” he said. What’s more, the medical part can also be more complicated. Many millionaires pay special attention to their health and often visit private clinics and world-class medical specialists, Mr. Zive said. The underwriting process takes much longer, he said, “because you have to collect all these reports from these doctors who have seen them.” A wealthy person’s lifestyle also can be problematic. Fast cars, off-the-beaten-track vacations and sports activities such as scuba diving, bungee jumping and mountain climbing present hazards that concern insurance companies. High-net-worth individuals also might travel more for business and to riskier countries such as Iraq, Brazil and China. As a result, putting a policy in place can take as long as nine months, Mr.

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