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Professions

Physicians

Physicians

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.

Products:
  • High Limit Disability
  • Key Person Coverage
  • Disability Buy-Out
  • Business Overhead Expense
  • Accidental Death and Dismemberment
  • Kidnap and Ransom
Case Studies
  • 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.
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