An Advisors' Guide to Excess & Surplus Disability Insurance

A company may offer a strong long-term disability (LTD) benefit and still leave its highest-paid employees significantly underinsured. 

Group LTD coverage is typically built around an income

Most affluent clients can tell you exactly what their investment portfolio is worth. They know the value of their business, real estate holdings, and retirement accounts. But ask them to estimate the

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Buy-sell agreements are foundational for business owners, but disability funding is often overlooked or dismissed due to cost. The risk, however, is real and often more likely than death during a

For many advisors, disability insurance isn't a knowledge gap - it's a conversation gap.

You understand the value. You've seen the statistics. You know that for high-income and highly specialized

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