Lessons from a Lloyd’s of London Coverholder

What You Need to Know About Athlete Endorsement Deals

Posted Wed, Feb, 13th, 2019
By Exceptional Risk Advisors

Professional athletes in the NBA, NFL, MLB, and NHL make on average $3.9 million a year.  For those star players, endorsement deals can boost their annual income significantly.  For example,

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Frequently Asked Questions on Multi-Life Guaranteed Standard Issue (GSI)

Posted Tue, Jan, 15th, 2019
By Exceptional Risk Advisors

When approaching organizations with high income earners, it's important to recognize that the successful installment of a Multi-Life Guaranteed Standard Issue (GSI) program is highly process

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5 Top Causes Behind Long Term Disability Claims

Posted Thu, Dec, 13th, 2018
By Exceptional Risk Advisors

The Council for Disability Awareness's annual report has identified continuing or emerging trends of long term disability insurance claims since 2005.  Below are the top 5 new causes for long-term

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How to Apply for Lloyd's of London Disability Insurance

Posted Tue, Nov, 20th, 2018
By Exceptional Risk Advisors

From a buyer’s perspective, applying for Lloyd’s of London Disability insurance is most often handled by their advisor.  To understand how the application process works with a coverholder, here is 

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Two Qualifiers for Individuals to Purchase Lloyd's of London Disability Insurance

Posted Thu, Oct, 18th, 2018
By Exceptional Risk Advisors

There are two general qualifiers for individuals who purchase Lloyd’s of London disability insurance. The first is often a circumstance of underinsurance.  The most common example of

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The Largest Lloyd's of London Individual Disability Policy Ever Placed

Posted Tue, Sep, 18th, 2018
By Exceptional Risk Advisors

The largest Lloyd’s of London high limit disability policy was for $200,000,000 on an American movie producer and CEO of a large entertainment company. 

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6 Lloyd’s of London Disability Programs Every Advisor Should Know About

Posted Wed, Aug, 15th, 2018
By Exceptional Risk Advisors

There are six products that make up the core programs in a Lloyd’s of London disability insurance portfolio. The first four are personal programs purchased by individuals to protect their futures,

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How Do Professional Athletes Protect Themselves Against the Risk of Injury or Illness?

Posted Thu, Jul, 26th, 2018
By Exceptional Risk Advisors

"The highest paid player on an NFL team is the quarterback. What you probably don't know is the second highest paid player is a left tackle. The left tackle's job is to protect the quarterback

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How to Fully Insure the C-Suite with a Multi-Life Guaranteed Standard Issue (GSI) Disability Policy?

Posted Thu, Jul, 5th, 2018
By Exceptional Risk Advisors

Employers often provide disability insurance to their employees to protect their earnings in the event of an injury or illness by way of a highly competitive benefits package or a voluntary

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What is Lloyd’s of London Disability Insurance?

Posted Thu, May, 31st, 2018
By Exceptional Risk Advisors
Lloyd’s of London Disability Insurance is a surplus lines class of insurance that can be accessed and utilized by individuals whose needs extend beyond the capabilities of U.S. admitted disability Read More