Insurance Solutions for
Affluent Families

Meeting the unique needs of wealthy families by
acquiring large policies at institutional prices.

What We Do

Lindberg & Ripple works with clients and their advisors to design, implement, and manage institutionally-priced insurance products. Because we are an independent firm with decades of experience, we can recommend the most favorable long-term solutions with optimal value. Our firm judges success by how much we help our clients, not if the work directly results in a profitable transaction.

Acquiring a significant amount of life insurance is complex and requires experience that differs from placing smaller policies. Lindberg & Ripple has a long history of specialization in medical and financial underwriting that is unique to large-death-benefit amounts. We are adept at working with multiple carriers to diversify options for clients, creating an “auction environment” in the underwriting process that produces the best possible offers—and optimally priced products.

Laser-focused on devising life insurance solutions for ultra-affluent families

When it comes to life insurance, Lindberg & Ripple exclusively specializes in obtaining and managing large blocks of insurance for ultra-wealthy families. We have unmatched specialization and experience because this is all we do.

Several decades of relationship-building have given us access to institutionally-priced, niche products through M Financial. “Institutional” pricing is generally superior to “retail” pricing from the same insurance carriers.

Since we are independent of any producer or product, Lindberg & Ripple is unencumbered by bias—we find the optimal product and carrier for each client.

Life insurance policies may be acquired as a component of an estate plan or an executive benefit plan.

Programs are typically designed to last multiple decades, and our third-generation firm is firmly committed to servicing policies long term.

Our Approach

Life insurance strategies that effectively maintain, grow, and transfer wealth across generations.

Helping Other Advisors and Clients

We work with advisors and their clients to devise appropriate solutions. Since writing new business isn’t our primary aim, we willingly take on projects with no direct revenue benefit for us. Lindberg & Ripple understands the role of a client’s other advisors—including family office personnel, trust & estate counsel, financial advisors and CPAs—and we work collaboratively with all stakeholders.

Implementation and Management of Life Insurance Portfolios

Significant life insurance portfolios require ongoing management, administration, and reporting—which may be a 40-50-year process. Our clients and their advisors benefit from Lindberg & Ripple’s four decades of experience, and our commitment to remaining an independent, multi-generational firm.

Intense Specialization Serving Ultra-Wealthy Families

Very few people in today’s world are life insurance professionals. Far fewer individuals are squarely focused on serving ultra-affluent families. We understand the specific issues that our clients face and how to design effective solutions—whether they involve substantial estate tax liability coupled with illiquidity, equitable distribution of wealth amongst multiple children, second-marriage issues, and more.

Recent Posts

Read the Lindberg & Ripple Knowledge Base for insights on investing, wealth planning, benefits, insurance solutions, and more.

The One Big Beautiful Bill Has Passed: What High-Net-Worth Families Must Consider Now

The recently enacted “One Big Beautiful Bill” (OBBB) has permanently reshaped the estate planning landscape for high-net-worth individuals and families. With federal estate, gift, and generation-skipping transfer (GST) tax exemptions now locked in at $15 million per individual ($30 million per married couple), this legislation delivers both clarity and urgency. The implications of the OBBB […]

Philanthropy with Purpose: Structuring Charitable Giving to Increase Impact and Decrease Taxes

Charitable giving has always been a powerful expression of personal values, community support, and family legacy. Today, affluent families and business owners are seeking more strategic ways to give—methods that align with long-term financial goals while creating meaningful impact. Fortunately, modern philanthropic tools allow donors to structure their giving with precision, flexibility, and tax efficiency. […]

What Employers Need to Know About Connecticut’s State-Run Retirement Program

Did you know that Connecticut businesses could face fines of up to $1,500 per employee for not complying with the state’s retirement mandate? In fact, if you have five or more employees and do not offer a retirement plan, you are required to register for MyCTSavings or certify your exemption. MyCTSavings is designed to make […]

Connect With Us

We are committed to excellence to better serve our clients and their advisors. Contact us to get started.