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Hester Insurance Group assists individuals and institutions in properly evaluating current life insurance strategies. We utilize advanced technology in customizing our services and, when appropriate, we implement solutions to minimize or eliminate certain risk exposures.

Our services include:

  • In Depth Analysis and Benchmarking

  • Client Advocacy

  • Advanced Underwriting Process

  • Implementation/Administration

  • Accurate policy reporting/ongoing communications.

Traditional Life Insurance

Life Insurance can be a maze of questions, applications, underwriting and medical exams. We help our clients navigate this process and evaluate the specific characteristics of life insurance policy types: Term, Whole Life, Universal Life, Indexed Universal Life and Variable Universal Life to determine the most suitable.

So Why Life Insurance?

Life insurance, at it's core, is a means to protect the financial future of your loved ones against an unexpected death. Life insurance can also be essential for estate preservation and as a supplemental savings tool.

A properly structured life insurance portfolio is an attractive risk management strategy with tax-free death benefits to beneficiaries. Life insurance can hedge against:

  • Liquidity needs (loss of income, estate taxes)

  • Satisfy major financial obligations (debts, loans, etc.)

  • Support financial goals (education, retirement)

  • Business risk (Key Person, Executive Benefits)

Traditional Life Insurance

Private Placement Variable Annuities & Life Insurance

The ability to recharacterize highly taxable investments into tax-efficient Private Placement Variable Annuity (PPVA) or Private Placement Life Insurance (PPLI) structures is an attractive solution for high net worth and institutional investors. Long-term investments made inside of a PPVA or PPLI structure can produce incredible tax savings which could significantly bolster investment performance.

PPVA and PPLI have full transparency, institutional pricing and flexible investment options (alternative and traditional asset investments).

For the High Net Worth Investor



PPVA structures are reasonably simple to implement and designed to defer income tax on realized gains. PPVAs are well-suited for charitable legacy planning, restructuring high-fee retail variable annuities and offer a simplistic approach to defer income taxes on long-term investment strategies.





PPLI structures are more complex but designed to eliminate income taxes on realized gains. PPLI works well in generational wealth planning and eliminating income tax on long-term investment strategies.

For the Institutional


Hester Insurance Group specializes in  bespoke Private Placement Variable Annuity solutions that enhance investment performance by addressing specific tax exposures. These institutional structures also simplify the tax reporting (No K-1s) and administration (no complex "blocker" corporations).  

  • TAX-EXEMPT INSTITUTIONAL INVESTORS - Foundations, Endowments and Pensions are subject to Unrelated Business Taxable Income (UBTI) on certain types of alternative investments. The Institutional Variable Annuity (IVA) is designed to eliminate UBTI.

  • U.S. TAXABLE INSTITUTIONAL INVESTORS - Special Purpose trusts and corporations are subject to income taxation on traditional and alternative investment assets held directly. The Private Placement Variable Immediate Annuity (PPVIA) is designed to smooth out the impact of current income taxation and maximize allowable tax deferral on investement assets.

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