Private Placement
Life Insurance

Private Placement Life Insurance & Annuity Advisory

RGF’s unparalleled experience spanning over 30 years in the private placement life insurance (“PPLI”) market allows the firm to deliver unbiased and top-tier advisory services for clients seeking tax efficient strategies to protect, grow, and transfer their wealth. 

PPLI offers the benefits of significantly improving the tax efficiency of an investment portfolio during an insured’s lifetime and provides liquidity benefits and tax advantages upon the insured’s death, integral to sophisticated estate planning.

Through our deep understanding of the intricacies and mechanics of PPLI, we advise clients on the acquisition of international and domestic PPLI policies and annuity contracts that are tailored to each client’s specific goals and unique circumstances. 

As is the hallmark of the firm, we take a customized and long-term relationship-based approach to PPLI, ensuring all aspects of the initial procurement and ongoing service are constantly aligned with the planning goals of the client.

Bob Chesner, RGF’s Senior Director of Finance and Insurance, and Chief Operating Officer, co-authored, with Leslie Giordani, Bloomberg BNA’s Tax Management Portfolio 870, 1st, “Private Placement Life Insurance and Annuities.”

Insurance Dedicated Funds

In addition to advising individuals and families on the acquisition of PPLI policies and annuity contracts, RGF's insurance team advises asset managers and wealth advisors on establishing and operating insurance-dedicated funds (“IDFs”) and managed separate accounts.  We will be your partner through the entire process of creating an IDF, starting with the drafting of legal documents, through and including advising on the process of onboarding and approval by the insurance carrier.

Post-Sale Policy Administration

RGF provides a robust platform of ongoing monitoring, auditing, and review of all policy fees, performance, and reporting requirements, ensuring the policy continues to meet the changing investment and estate planning needs of our clients.

PPLI Podcasts

Bob Chesner was a guest on The Life Product Review podcast with host Bobby Samuelson - "An interview on the past, present, and future of PPLI, exploring its costs, investment benefits, challenges, and bright future."

“An interview with Bob Chesner, Senior Director and COO at RGF discussing a really interesting investment structure that most people don’t even know exist. This podcast highlights the potential of PPLI to enable tax-free growth of after-tax dollars, particularly in light of the potential for higher taxes." Requisite Capital Management Podcast Series with hosts Doug John and Bryn Talkington – When Doug and Bryn talk to clients, the one consistent comment they hear is the inevitability that taxes are going higher. Enter Private Placement Life insurance (or PPLI) – an investment structure that allows after tax dollar to grow tax free.

As a legal advisory firm, RGF does not sell or place any insurance or investment products, focusing solely on providing specialized legal and non-legal advice on insurance matters and policy procurement.