And over half the recipients have family incomes below $30,000 a year, although some hold substantial assets.

Many may need no coverage, including people with few or substantial assets, specialists say.

And in some states, even people with substantial assets may find little savings.

Still, Westbury seems to be a substantial asset to the company.

People with substantial assets are, for the most part, very interesting people.

The court was told last week that he has "substantial assets", including more than a one-third share in the estate.

Even more filed for bankruptcy or sold off substantial assets.

The group manages substantial assets for private clients from all over the world.

"That's a substantial asset, of which there needs to be planning."

Whether it can do that without the sale of substantial assets is an open question.