Private Life Insurance Strategies

Preserving generational wealth takes more than products — it requires a strategic partner with deep expertise in tax, estate law, risk, and family dynamics.

Silver Rock helps clients align wealth with long-term values — protecting family legacies, reducing taxes, and ensuring future liquidity.

We serve:

• Business owners planning succession or liquidity events
• Executives with concentrated equity or deferred comp
• Families reducing estate tax exposure
• Professionals and advisors needing advanced planning

We design tailored insurance strategies that integrate with clients’ broader wealth plans.

Our services include:

• Advanced Life Insurance Planning
• Private Placement Life Insurance (PPLI)
• Premium Financed Life Insurance
• Estate Liquidity and Generational Wealth Strategies
• Annual Policy Review and Optimization

Each strategy is built on conservative assumptions and reviewed annually to ensure continued alignment with client objectives.

Our pension and actuarial roots shape how we manage client strategies — with rigor, transparency, and a long-term view.

Where others rely on projections, we rely on careful modeling and stress testing:

• Policy and cash flow simulations
• Realistic forecasting
• Actuarial-style annual reviews
• Independent performance audits

This disciplined process keeps plans sustainable and responsive to change.

When properly designed, life insurance is one of the most powerful tools for protecting and transferring wealth.

We help clients structure policies to:

• Transfer wealth tax-efficiently
• Provide estate tax liquidity
• Support trust and asset protection strategies
• Enable smooth multi-generational planning

We work with top-rated global insurers, offering:

• Indexed and Variable Universal Life (IUL/VUL)
• Participating Whole Life
• Survivorship and Second-to-Die Policies
• Custom Underwriting for High Face Amounts

Each policy is integrated into the estate plan — not sold as a standalone product.

PPLI is a tax-advantaged vehicle offering institutional investment power within a life insurance framework. It provides tax-deferred growth and tax-free death benefits — all within a customizable platform.

Our PPLI services include:

• Policy design with elite carriers
• Custom investment integration
• Coordination with fund managers and family offices
• Full compliance and reporting support

We work with best-in-class partners to deliver tailored, high-performance solutions.

Premium Financed Life Insurance (PFI) allows clients to maintain liquidity while securing significant coverage. But the key to success lies in disciplined execution.

Our conservative approach includes:

• Low loan-to-value ratios
• Interest and collateral stress testing
• Defined exit strategies
• Ongoing performance and re-underwriting reviews

We model every strategy using prudent assumptions and manage each case closely to ensure long-term viability.

Insurance success depends on monitoring, not just design. That’s why we review every client plan annually — just like a pension fund would.

We assess:

• Actual vs. projected performance
• Product and carrier updates
• Law and tax changes
• Loan and interest rate dynamics
• Changing client needs

This proactive approach helps policies stay efficient and on course — year after year.

Today’s estate planning must reflect complex family and asset structures. We coordinate with your legal and tax teams to build effective, values-based plans for:

• Blended and multigenerational families
• Global and dual-jurisdiction estates
• Business succession
• Charitable giving
• Special needs or vulnerable heirs

Our solutions help reduce taxes, preserve intent, and ensure smooth transitions across generations.

Many of our relationships begin with referrals from wealth managers, attorneys, CPAs, and family offices seeking expert insurance support.

We provide:

• White-labeled presentations and plan materials
• Side-by-side carrier and policy analysis
• Technical support for implementation
• Joint strategy development with advisory teams

Our role is to enhance your service offering, not replace it.

What sets Silver Rock apart is our discipline, depth, and commitment to stewardship. We don’t just recommend — we model, measure, and manage.

• We stress-test every strategy before implementation
• We build for multi-decade performance, not quick wins
• We coordinate with your full advisory team
• We optimize annually to stay on track
• We protect wealth with transparency and care

In a sales-driven industry, Silver Rock offers something different: a principled partner built for the long haul.