An Advisors' Guide to Excess & Surplus Disability Insurance

Behind every thriving company is a leader with vision and relentless drive. But even the strongest executives have vulnerabilities - and when something happens to them, the impact can be catastrophic

Ultra successful clients - corporations, business owners, private equity firms and ESOPs - manage complex financial ecosystems where commitments extend far beyond revenue and balance sheets. Hidden

In the world of insurance advising, timing can make or break a deal. Whether it's a last-minute bank loan, a fast-moving acquisition, or an executive contract that demands immediate coverage,

Success isn’t just measured in revenue or profits. For corporations, business owners, private equity firms, and ESOPs, overlooked contractual obligations can pose significant risks - especially when

High-income professionals face a growing challenge: protecting their lifestyle and financial security if they become disabled. Standard group long-term disability (LTD) policies often fall short,

Key person life insurance has long been a cornerstone of business protection, offering a financial safety net in the event of a key leader’s death. But statistics reveal a more pressing reality, a

For organizations planning large-scale events, from national conferences and global tradeshows to high-profile concerts, months or even years of work can be derailed by a single unexpected

As NFL players transition into training programs, mini-camps, and Organized Team Activities (OTAs), they’re also preparing for one of the most financially vulnerable periods of the year. In fact, 80%

May is Disability Insurance Awareness Month (DIAM), and for advisors working with high net worth or soon-to-be high net worth clients, it presents a timely opportunity to reframe the disability

In the world of mergers and acquisitions (M&A), key person life insurance is often a given; most deals account for it to protect against the unexpected loss of a key executive. But what about the