Entertainment | Executives/Professionals/Entrepreneurs | Athletes | Hedge Fund/Private Equity
Physicians | Personal Risk Management Outsourcing

Markets - Executives/Professionals/Entrpreneurs

Your Client’s ability to earn a sizeable income is their biggest asset, yet is most often taken for granted. Traditional Insurers are ineffective in meeting the income replacement ratios of high earners. Exceptional Risk Advisors provides personal high limit disability solutions for your very affluent clientele. Coverage is available above and beyond what traditional insurers offer.

Exceptional Risk Advisors also provides high-limit key person and disability buy-out for private and public organizations, law firms, and medical professionals. Monthly benefits exceeding $200,000, plus lump sum benefits beyond $50 million are available.

Products

• High Limit Disability
• Key Person Coverage
• Disability Buy-Out
• Contractual Indemnification
• Interim Life Insurance
• Business Overhead Expense
• Accidental Death & Dismemberment
• Kidnap & Ransom
• War Risk Coverage

Case Studies

• An executive made over 2 million dollars a year, but only had $15,000 per month of disability coverage in force. This represented less than a 10% income replacement ratio. The principals at Exceptional Risk designed a program delivering an additional $85,000 per month of disability coverage.
• A niche software company partnership valued at $30 million was owned jointly by 2 principals. Exceptional Risk designed a disability program that insured each executive for $15 million to fund a buy out agreement.