Yes, Structuring Your Corporate Architecture So That A Holding Company (HoldCo) Owns Permanent Life Insurance Policies Is A Highly Effective Asset Protection Strategy. When A Policy Is Held Within A HoldCo, Its Accumulating Cash Value And Future Insurance Payouts Are Legally Insulated From The Day-to-day Operational Liabilities, Lawsuits, Or Creditor Claims Associated With The Active Operating Company (OpCo).