An Advisors' Guide to Excess & Surplus Disability Insurance

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,

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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

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How Successful Advisors Position Key Person Disability to their Clients

Posted Wed, Jul, 14th, 2021
By Exceptional Risk Advisors

Many organizations are protected by key-person life insurance, or at the very least have a succession plan should the key person pass away.  But statistics show the risk of disability during the

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How to Protect Your Athlete Client's Big Payday

Posted Wed, Jun, 23rd, 2021
By Exceptional Risk Advisors

There is probably no greater example of the term "human capital" than a high-priced athlete, whose body will always be in harm's way and should be protected from a serious or career-ending injury

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Mind the Gap in Your Executive's Disability Insurance Coverage

Posted Tue, May, 11th, 2021
By Exceptional Risk Advisors

The term “American Dream” was originally coined by James Truslow Adams in his book, The Epic of America. Since the first publication of the book in 1931, the term has since been used by American

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Update on The Current State of Sports Insurance

Posted Tue, Apr, 13th, 2021
By Exceptional Risk Advisors

With the start of baseball season and the sports industry making strides to return to normalcy, it seems like a good time to provide an update on the current state of sports disability insurance. 

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