An Advisors' Guide to Excess & Surplus Disability Insurance

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 driven.

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

From a buyer’s perspective, applying for an excess and surplus disability insurance policy is  handled by their advisor.  To understand how the application process works with a coverholder, here is The

There are two general qualifiers for individuals who purchase an excess and surplus disability insurance policy. The first is often a circumstance of underinsurance. The most common example of

The largest excess & surplus high limit disability policy was for $200,000,000 on an American movie producer and CEO of a large entertainment company. 

There are six products that make up the core programs in an excess & surplus disability insurance portfolio. The first four are personal programs purchased by individuals to protect their futures,

"The highest paid player on an NFL team is the quarterback. What you probably don't know is the second highest paid player is a left tackle. The left tackle's job is to protect the quarterback from

Employers often provide disability insurance to their employees to protect their earnings in the event of an injury or illness by way of a highly competitive benefits package or a voluntary benefit

Welcome to the Exceptional Risk Advisors blog - An Advisors' Guide to Excess & Surplus Disability Insurance.  Here is where we will uncover how advisors can thrive in this space, offer expert advice,