An Advisors' Guide to Excess & Surplus Disability Insurance

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 Excess & Surplus Disability Insurance

Posted Tue, Nov, 20th, 2018
By Exceptional Risk Advisors

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

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Two Qualifiers for Individuals on an Excess & Surplus Disability Insurance Policy

Posted Thu, Oct, 18th, 2018
By Exceptional Risk Advisors

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

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The Largest Excess & Surplus Individual Disability Policy Ever Placed

Posted Tue, Sep, 18th, 2018
By Exceptional Risk Advisors

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. 

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6 Excess & Surplus Disability Programs Every Advisor Should Know About

Posted Wed, Aug, 15th, 2018
By Exceptional Risk Advisors

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,

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