Your client’s ability to earn a sizable income is his/her biggest asset, yet it is often taken for granted. Traditional insurers are often unable to meet the income replacement needs of high-earners in the event of a disability.
Exceptional Risk Advisors provides high limit disability solutions for your very affluent clientele. Coverage is available above and beyond what traditional insurers offer.
Benefit periods up to 60 months, plus lump sum benefits exceeding $25,000,000
Individual or Multi-Life Coverage
Residual Benefit Rider and COLA available
Own Occupation definitions available
An executive made over $2,000,000 per year, but had only $15,000 per month of disability coverage in force. This represented less than a 10% income replacement ratio. Exceptional Risk Advisors was able to secure an additional $85,000 per month of disability coverage to better protect the executive’s earnings.