Lessons from a Lloyd’s of London Coverholder

Rebranding Disability Insurance

Posted Wed, Jul, 17th, 2019
By Exceptional Risk Advisors

Disability insurance has always been the red-headed stepchild, the black sheep, the misfit of the insurance world.  It's a much harder sale than it's golden child counterpart, life insurance. 

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A Guide to Lloyd's Accidental Death & Dismemberment Insurance

Posted Wed, Jun, 12th, 2019
By Exceptional Risk Advisors

Accidental death and dismemberment insurance is an easy to place program when your clients' accident risk is heightened and traditional markets cannot or will not accommodate.  Below is a short

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How to Close the Income Exposure Gap of the Highly Compensated

Posted Wed, May, 15th, 2019
By Exceptional Risk Advisors

Disability Insurance Awareness Month was created to get Americans to think about the need to protect their greatest asset - their ability to earn an income.  When your income is in excess of $1

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How to Insure Professional Baseball Players

Posted Wed, Apr, 17th, 2019
By Exceptional Risk Advisors

A baseball player's greatest asset is their ability to play ball.  Given the compressed career lifespan - the average MLB player's career is roughly 5.6 years - Disability Insurance protection is

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How to Insure Hollywood Stars

Posted Tue, Mar, 12th, 2019
By Exceptional Risk Advisors
Traditional insurance carriers are typically well prepared with insurance and disability plans that fit the needs of most people. If you are a bank teller and become disabled and can’t work, Read More

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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