The health insurance industry will continue to experience extreme metamorphosis during the next decade, as it struggles with the demands of government, expectations of consumers, and the rapid advancement of medical technology.

One of the remarkably resurgent and profitable niches in this whole drama is boutique healthcare for the exceptionally wealthy. This is a market that is not well-documented or publicized with constant fanfare. But that is the way of exceptional wealth, both here in the United States and abroad; it does not advertise itself by outward signs so much as preserve and protect itself by drawing to it the best and brightest experts in all areas -- such as wealth management, personal security, and now health care.

Dr. Chiposh Chidderbee, chief of staff at Sunrise Medical Clinics in Tampa Florida, says “For the extremely wealthy, paying for premium healthcare is not going to be a challenge, no matter what the government does with ordinary healthcare infrastructure. Those with boundless means usually purchase all of their insurance instruments outside of the mainstream, where their wealth allows them to demand and receive better and timely treatment -- especially in the area of testing, diagnosis, and followup with health issues.”

The consensus among insurance underwriters today is that people who use boutique healthcare and remain consistent with their physical and mental health regimens are likely to live ten to twenty years longer than those who must make do with the uncertainty of government healthcare and/or subprime private healthcare.

"And one day," according to TrueBlueLifeInsurance CEO and founder Brian Greenberg, "the data might lead to the development of genetic tests to predict whether a person can expect to live into old age as well as guide intervention efforts to prevent age-related illness."

Planning for comprehensive longevity takes in the fields of genomics, biomarkers, and rehabilitation strategy. Wealth management, of course, is also crucial to insure that the assets are plentiful enough, and liquid enough, to meet any and all future health contingencies. This would include chronic illness, mental instability, and the possibility of long term residence in a rehabilitation center.

One of the best ways to prepare for these kinds of longevity scenarios is to purchase a good solid term life insurance policy well in advance of retirement age. The man or woman who works with a reputable insurance company while still in their twenties or thirties to create a life insurance instrument that is both stable and flexible will find that it is the key to financial peace of mind later in life.

Such a policy protects income from the ravages of variable taxes and builds an additional nest egg that can be drawn on in extreme cases for immediate liquidity. Private placement or traditional life insurance can be used to pay for health insurance premiums, under the proper circumstances.

Even if you’re an older affluent person who is just now beginning to plan for the remaining long years ahead, a term life insurance policy may still be considered a reasonable investment for the years ahead -- to make sure they are comfortable and as healthy as possible. State of the art healthcare is not going to get any less expensive as it gets more effective. A life insurance policy is one of the keystones in a comprehensive longevity strategy.