Products
- Key Person Disability
- Buy Sell Disability
- Disability Income
- Multi-Life Disability
- Contractual Performance Indemnity
- Accident Coverage
- Athlete Coverage
- Entertainer / Headliner Coverage
- Loss of License / Pilot Insurance
- Private Equity
- Hedge Fund
- Kidnap & Ransom
- Contingency Coverage
- Physician's Edge 365
- Attorney Golden Gavel Coverage
- Loan Indemnification
- Business Overhead Expense
Disability Income
Your client’s ability to earn a sizable income is his/her biggest asset, yet it is often taken for granted. Traditional insurers are often unable to meet the income replacement needs of high-earners in the event of a disability.
Exceptional Risk Advisors provides high limit disability solutions for your very affluent clientele. Coverage is available above and beyond what traditional insurers offer.
Coverage Includes
- Monthly benefits up to $250,000 per month
- Elimination periods of 90, 180, and 365 days
- Benefit periods up to 60 months, plus lump sum benefits exceeding $25,000,000
- Individual or Multi-Life Coverage
- Residual Benefit Rider and COLA available
- Own Occupation definitions available
Case Studies
- An executive made over $2,000,000 per year, but had only $15,000 per month of disability coverage in force. This represented less than a 10% income replacement ratio. Exceptional Risk Advisors was able to secure an additional $85,000 per month of disability coverage to better protect the executive’s earnings.