Entertainment | Executives/Professionals/Entrepreneurs | Athletes | Hedge Fund/Private Equity
Physicians | Personal Risk Management Outsourcing

Markets - Physicians

A doctor’s ability to earn a sizeable income is predicated on the ability to see patients, perform surgery, and further their education. Traditional insurers often fall short of the replacement ratios necessary to protect a doctor’s income adequately.

Exceptional Risk Advisors provides high limit disability solutions for medical professionals. Coverage is for “own occupation”, and residual and COLA benefits are available.

Products

• High Limit Disability
• Key Person Coverage
• Disability Buy-Out
• Failure To Survive Coverage
• Business Overhead Expense
• Accidental Death & Dismemberment
• Kidnap & Ransom

Case Studies

• A leading Cancer Surgery Center employed an elite surgeon that delivered a significant portion of revenue to the hospital. Exceptional Risk principals secured a $10 million key person disability policy, which would pay the hospital if the surgeon suffered a disability.
• A surgeon earning $900,000 per year obtained $20,000 per month of disability coverage through traditional outlets. Exceptional Risk Advisors underwrote an additional $25,000 per month, followed by a lump sum of $900,000 of disability coverage for the surgeon.