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 adequately protect a doctor’s income.

Exceptional Risk Advisors provides high limit disability solutions for medical professionals.

Physician's Edge Coverage Includes:

• Monthly benefits up to $150,000 per month
• Elimination periods of 90, 180 and 365 days
• Benefit periods up to 60 months, plus lump sum benefits to an aggregate of $10,000,000+
• Individual or Multi-life coverage
• Residual Benefit Rider & COLA available
• Own Occupation definition

CASE STUDY

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 to facilitate appropriate coverage in the event of a disability.

CASE STUDY

Six radiology partners required a disability policy to fund their buy/sell agreement. Exceptional Risk Advisors bound a practice owned Buy-Out Disability policy insuring each partner of the practice for an aggregate of $10 million of total coverage.