With compensation levels rising to an all time high, companies often struggle to adequately insure the income of their highest earning employees. Exceptional Risk Advisors provides corporate coverage to supplement a company’s in force disability insurance program. Coverage is also available in situations where traditional carriers will not participate.

Exceptional Risk Advisors underwrites Multi-Life Policies with as little as a short form application and a company census of employees.

COVERAGE INCLUDES:

• High Limit Disability – Limits to $100,000/ month
• 10 Life Minimum
• Short Form Application and Census
• Custom Tailored Policies to mirror the existing traditional Disability Coverage.

CASE STUDY

A worldwide advertising agency was unable to provide disability insurance for 70 managing directors that lived and worked overseas. Exceptional Risk Advisors placed a Multi-Life Disability Policy providing permanent disability and accidental death coverage for all of the managing directors, with minimal underwriting.

CASE STUDY

Through a combination of individual disability and group LTD, an investment bank provided a maximum of $30,000 per month of disability insurance to all full time employees. For the highest earning managers and executives this was an inadequate amount of coverage. Exceptional Risk Advisors designed a policy providing monthly benefits up to $50,000 per month for 55 of the highest earners.