SERVICE
Agency Services
Our Approach
Large life insurance policies for Ultra High Net Worth clients require careful design, implementation, and ongoing management. PH Robb offers its resources and relationships that it has built over the decades in the large case market to independent life insurance agents through its general agency. Advisors and agents across the country partner with us because of our culture of dedicated service.
Licensing and Contracting
Licensing and contracting is tedious and can cost agents hours of time on every case. PH Robb’s Agency Services offers a simple licensing and contracting process that takes the burden off of the agent and instead allows them to focus on writing new business and helping more clients.
Case Design and Presentations
Success in the large case market hinges on an agent’s ability to properly design the insurance and clearly and convincingly present the information to clients and advisors.
With PH Robb’s Agency Services, agents can leverage our team’s extensive product and planning knowledge to build innovative case designs and use presentation systems that have led to over $12B of insurance death benefit sold.
Insurance Underwriting
Insurance underwriting can seem daunting to agents that are unfamiliar with insurance company requirements or terminologies. Additionally, negotiating better rates on health underwriting becomes more important as the case sizes increase.
PH Robb Agency Services helps agents navigate the underwriting process and negotiate the best rates, by leveraging its expansive network and volume of business.
Premium Financing
Premium financing can be an incredible planning and wealth creation tool for Ultra High Net Worth clients, but it requires deep specialty knowledge and must be carefully designed and managed to ensure the plan is successful.
As one of the largest premium finance agencies in the country, PH Robb has considerable specialty knowledge and resources in premium financing, including economic and risk analyses, that it makes available to its agents.
Policy Management and Renewal
Permanent life insurance can be in place for decades and, as the world changes, the optimal management decisions might change too. Preparedness is the key to effective management.
Through its Agency Services, PH Robb supports agents in ongoing policy management. For large cases and premium financing, PH Robb offers a concierge experience, including annual reviews and performance projections. This creates peace of mind for clients and their advisors and allows agents to focus on finding new clients to help.
Systems and Technology
More experience tends to drive quality higher and costs lower. PH Robb has accumulated significant experience in the administration and management of premium financed insurance policies. We have used this experience to carefully design proprietary internal systems and technologies that drive better quality, consistency, and client experience. As an added benefit, this then allows our advisor partners and agents to refocus their energies toward creating additional value for the client or finding new clients to help.
