An Advisors' Guide to Excess & Surplus Disability Insurance

4 Tips on Positioning Disability Insurance for Ultra-High Income Clients

Posted Wed, May, 11th, 2022
By Exceptional Risk Advisors

Many of our conversations with new advisors center around sharing insights on ways to break into and thrive in the Lloyd's Disability Insurance Market.   Since May is Disability Insurance Awareness

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5 Scenarios When to Use the Excess Lines Market for Death Protection

Posted Wed, Apr, 13th, 2022
By Exceptional Risk Advisors

For life insurance advisors, there is no substitute for great advance planning.  Traditional life insurance provides comprehensive accident and sickness coverage and is often more cost effective to

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Insuring Your "Rock Star" Clients Across All Industries

Posted Wed, Mar, 9th, 2022
By Exceptional Risk Advisors

Rock Stars exist in all industries.   Caught up in all the glitz and glamour of the Lloyd's of London market place, it's easy for advisors to overlook how Lloyd's can protect their best clients -

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How to Prepare Your Business Owner Clients for the Unthinkable

Posted Wed, Feb, 9th, 2022
By Exceptional Risk Advisors

When business owners are working towards growth everyday and putting out fires, it's hard to find room for things that have yet to happen.  So, it's not surprising that most business owners are

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Protecting Your NFL Contender Clients

Posted Wed, Jan, 12th, 2022
By Exceptional Risk Advisors

The left tackle's job is to protect the quarterback from what he can't see coming.  And an insurance advisor's job is to protect future NFL stars from what they can't see coming - the early end of

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Reoccurring Revenue Stream Idea in Preparation for the New Year

Posted Wed, Dec, 15th, 2021
By Exceptional Risk Advisors

A company's biggest asset rides the elevator every day and is driving the business forward.  A disability to a key person can devastate a company and wreak havoc on personal and business finances, as

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4 Ways to Insure Your Entertainer Clients

Posted Wed, Nov, 17th, 2021
By Exceptional Risk Advisors

Due to the nature and volatility of the entertainment business, traditional U.S. disability markets will not insure those in the entertainment industry.  Therefore, advisors turn to the Excess &

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How To Adequately Protect Highly Compensated Individual's Income

Posted Wed, Oct, 13th, 2021
By Exceptional Risk Advisors

In short, to adequately protect a highly compensated client's income is through a layering strategy.  Group long-term disability (LTD) + Supplement Individual Disability Income (IDI) + Lloyd's of

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Three Key Ways an Advisor Becomes Exceptional

Posted Wed, Sep, 15th, 2021
By Exceptional Risk Advisors

We are often asked by advisors, "How do I succeed in the excess lines space?" or "What are the attributes of a successful advisor?".  The short answer is having a basic education of the products,

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Avoid a Buy-Out Exposure That Can Cripple a Business

Posted Wed, Aug, 11th, 2021
By Exceptional Risk Advisors

A majority of privately held business owners have the majority of their wealth tied up in their businesses.  Protecting their equity from the event of a disability to either themselves or to one of

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