Owners create a foundation of human capital that drives the success of the company. What happens to the company if one of the partners is disabled and their expertise is lost? The sophisticated advisor should consider Disability Buy-Sell Coverage to protect such organizations and the remaining partners.

Exceptional Risk Advisors has designed a high-limit Disability Buy-Sell policy to protect private and public organizations, law firms, and medical professionals from the risk of a career ending disability to an owner.

COVERAGE INCLUDES:

• Disability Buy-Sell – Limits to $100,000,000
• Lump sum payouts beginning after 6, 12, 18 or 24 months.
• Exceptional Risk Advisors’ experts can manuscript policy wording to match a client’s contractual obligation or other specific needs.

CASE STUDY

An organization had a contractual Buy-Sell Agreement covering all 18 of its owners, ranging from $300,000 to $20,000,000. Exceptional Risk Advisors designed Disability Buy-Sell Policy on all the owners with an aggregate benefit in excess of $50,000,000.

CASE STUDY

A large corporation with four equal shareholders sought to protect against the disability of any of the four partners on a first to be disabled basis. With the business valued at nearly $60,000,000, Exceptional Risk Advisors designed a $15,000,000 Buy-Out Policy that would pay a benefit in the event of the permanent disability of one of the four principal owners.