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.
- High Limit Disability
- Key Person Coverage
- Disability Buy-Out
- Business Overhead Expense
- Accidental Death and Dismemberment
- Kidnap and Ransom
- A leading Cancer Surgery Center employed an elite surgeon that delivered a significant portion of revenue to the hospital. Exceptional Risk Advisors 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.