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The wealth that high-net-worth (HNW) individuals accumulate allows them to indulge in interests that most people can only dream about. The high-profile purchases, highlighted in celebrity interviews, of pieces of art, car collections grand homes and private aircraft are just a few of the indulgences the public gets a glimpse of in magazines or on television.

Yet there are some indulgences for which even the wildest imagination of the average person might not consider a need for insurance.

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