An Advisors' Guide to Excess & Surplus Disability Insurance

3 Situations Where Sophisticated Advisors Utilized the Excess Lines Market

Posted Wed, Feb, 8th, 2023
By Exceptional Risk Advisors

With January behind us and the new year not so shiny and new, it can be easy to slip into old habits.  Stand up, walk down the hall, and shake it off.  There are 11 months to crush your goals this

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MLB DI Buying Season Begins Now!

Posted Wed, Jan, 11th, 2023
By Exceptional Risk Advisors

When most people think of professional athletes, they tend to think of players who have long and successful careers.  However, the average MLB player's career is a little more than five years, which

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Ideal Entertainment Candidates That Advisors Miss

Posted Wed, Dec, 14th, 2022
By Exceptional Risk Advisors

Entertainers present a unique challenge to U.S. disability carriers as their earnings history is often riddled with volatility, and they consistently present a compressed career that limits the time

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Advisors: Rebrand Disability Insurance To Income Protection

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

Disability insurance is a tough sale when compared to life insurance.  Your healthy and fit clients don't think a disability will ever happen to them.  But as advisors you know the statics that show

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How to Protect Live Performers When the Show Must Stop

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

A musician or entertainer's ability to take the stage and perform for their fans is essential to earning an income.  According to Billboard's annual Money Makers report, musicians make the bulk of

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4 Key Questions to Ask Clients During Succession Planning

Posted Wed, Sep, 14th, 2022
By Exceptional Risk Advisors

As an insurance advisor to privately held business clients, it is critical to revisit the topic of success planning every 3-5 years, specifically as it pertains to their disability repurchase

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The Business Case for Key Person Disability Insurance

Posted Wed, Aug, 10th, 2022
By Exceptional Risk Advisors

Contractual key person insurance obligations are most often found inside the mergers and acquisitions arena.  They're established when one company buys another company and the acquisition agreement,

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The Ingredients Needed to Perfect the GSI Recipe in the Lloyd's Market

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

In the high limit disability space, the Lloyd's of London Guaranteed Standard Issue (GSI) market has been rapidly growing over the past decade, with a growth rate that far surpassed its fully

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Protecting Your NFL Draft Eligible and Professional Athletes

Posted Wed, Jun, 15th, 2022
By Exceptional Risk Advisors

In football, 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 professional & collegiate athletes from what they can't

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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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