PH Robb is an insurance general agency, commonly referred to as an insurance wholesaler. You can partner with PH Robb to design, sell, underwrite, and manage insurance policies for your clients. Visit our Services page to learn more about what it looks like to partner with PH Robb.

Our clients are typically successful entrepreneurs, families with generational wealth, or high-earning professionals. Our clients have net worths from $10 million to over $1 billion. Clients are often looking for advanced tax planning or to maximize their wealth.

Ultra-High Net Worth families likely have access to investments that offer high return potential. Moreover, life insurance premiums can often be expensive and require large amounts of cash. For this reason, many clients decide not to purchase insurance that they need for estate or business planning because the opportunity cost is too high. To address this issue, our firm specializes in advanced planning strategies, such as premium financing and optimized premium schedules, to reduce the cash expense of acquiring the insurance coverage that UHNW clients need for estate or business planning. The result is more cash remains invested in productive assets like private businesses, real estate, and public markets, and the family is protected through the insurance coverage.

Financing the premiums for a life insurance policy makes sense when the client’s return on assets is greater than the loan rate from the bank. Most Ultra High Net Worth clients earn a return on their assets that is greater than bank interest rates, so most UHNW families should consider premium finance. However, there are additional considerations, such as liquidity and risk tolerance, that are equally important in determining whether premium finance makes sense for a family.