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For Brokers

Wholesale Life Insurance

Comprehensive Protection. Seasoned Guidance. Trusted Partnerships.

LET'S CONNECT

Founded in 1963, Hilb Life is a premier insurance brokerage agency and a proud member of the Hilb family of companies. With a nationwide presence and a legacy of excellence, we remain dedicated to providing the resources, expertise, and support that help agents grow their business and better serve their clients.

We provide expertise and support across Life Insurance, Annuities, Long-Term Care, and Disability Insurance, backed by an experienced team committed to helping agents succeed.

More than a brokerage, we build lasting partnerships with our producers. From routine cases to complex impaired-risk situations, our team provides personalized guidance, advanced case design, underwriting support, and access to a broad portfolio of leading insurance carriers. Our ability to navigate challenging cases and identify competitive solutions helps agents serve their clients with confidence.

What sets Hilb Life apart is our commitment to service, expertise, and relationships. For more than 50 years, we have cultivated strong partnerships with the insurance companies we represent, allowing us to deliver innovative, cost-effective solutions tailored to each client’s unique needs.

WHAT WE OFFER

Annuities

Access a comprehensive portfolio of annuity solutions from leading carriers, backed by expert guidance and dedicated support. We help agents identify competitive products that align with their clients’ retirement, income, and wealth preservation goals.

Disability Income Insurance

Protecting income is a critical component of financial planning. Our team provides access to a broad range of disability income solutions and the specialized expertise needed to navigate this complex market with confidence.
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Life Insurance

We are passionate about helping agents deliver effective long-term financial protection strategies. Through ongoing product analysis and carrier evaluation, we help identify the most appropriate life insurance solutions to meet each client’s unique objectives and circumstances.

Long-Term Care Insurance

As long-term care planning continues to evolve, we stay ahead of industry trends to provide innovative solutions and expert guidance. We help agents address one of their clients’ greatest financial concerns by offering access to leading long-term care and asset protection strategies.

MEET THE MERGERS & ACQUISITIONS TEAM

Richard G. Spiro Chief Executive Officer of Hilb Group

Richard G. Spiro

Chief Executive Officer

Ricky Spiro brings over 30 years of experience in the insurance and financial services sectors to the Hilb Group. From 2008 to 2016, he was Executive Vice President and Chief Financial Officer of The Chubb Corporation (Chubb), which was one of the world’s largest publicly traded property and casualty insurers. Before joining Chubb, Ricky was an investment banker specializing in advising the insurance industry on mergers and acquisitions, initial public offerings and equity and debt financings. Ricky was a Managing Director in the financial institutions investment banking group at Citigroup Global Markets Inc. (Citigroup) where he worked from 1999 to 2008. He held a variety of positions in Citigroup’s financial institutions group, including Head of North America and Head of Insurance Investment Banking. He began his investment banking career at The First Boston Corporation in 1986 where he was a Managing Director in the financial institutions group. He graduated from Princeton University with an A.B. degree in Economics. Ricky was also a member of the Board of Overseers of the School of Risk Management at St John’s University.

Richard G. Spiro

Chief Executive Officer

(804) 414-6509
rspiro@hilbgroup.com

R. Judson Elliott, Jr. EVP – Mergers & Acquisitions

R. Judson Elliott, Jr.

EVP – Mergers & Acquisitions

Jud Elliott was one of the founding members of the Hilb Group leadership team in 2009. Jud has over 30 years of industry experience, primarily in the employee benefits space. He began his career in 1983 as a group sales representative with The Travelers. He subsequently held senior leadership roles on both the insurance carrier side and the brokerage side of the industry, including Vice President, Major Accounts for BCBS of Georgia and South Region Head of Employee Benefits for Marsh. Jud is a graduate of the University of Georgia, where he earned a BA degree as well as a MBA from the Terry College of Business.

R. Judson Elliott, Jr.

EVP, Mergers & Acquisitions

(804) 414-6506
jelliott@hilbgroup.com

Ryan Haverman headshot

Ryan Havermann

SVP – Mergers & Acquisitions

Ryan Havermann is the Vice President of Mergers & Acquisitions for the Hilb Group. He is responsible for sourcing and executing agency acquisitions and facilitating integration work streams. Prior to joining the Hilb Group, Ryan worked for Harris Williams & Co., an international investment bank, providing M&A advisory services to clients in a variety of industries. Ryan began his career as a management consultant in Washington D.C. focused on strategy and business process improvement advisory services. Ryan earned his MBA from the University of Virginia, Darden School of Business, and his BBA in Finance from the University of Georgia.

Ryan Havermann

SVP, Mergers & Acquisitions

(804) 414-6508
rhavermann@hilbgroup.com

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Liam Duffy

Associate – Mergers & Acquisitions

Liam Duffy is an Associate on the Mergers & Acquisitions team at the Hilb Group. Liam is responsible for sourcing and executing agency acquisitions, acquisition due diligence, legal document review, and facilitating post-deal integration. Prior to joining the Hilb Group, Liam worked in M&A at Harris Williams, an international investment bank headquartered in Richmond, Virginia. Liam earned his MBA from the University of Virginia, Darden School of Business and his Bachelor of Arts also from the University of Virginia.

Liam Duffy

VP, Mergers & Acquisitions

(804) 381-4362
lduffy@hilbgroup.com

GROWING YOUR AGENCY

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HOW WE GROW

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WHAT WE OFFER

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TO LEARN MORE ABOUT THE HILB EXPERIENCE, CONTACT OUR MERGERS & ACQUISITIONS TEAM