An Advisors' Guide to Excess & Surplus Disability Insurance

The Critical Need for Disability Insurance for Highly Compensated Individuals

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

In the world of financial security, the importance of disability insurance often takes a back seat to other forms of coverage like life insurance. However, for highly compensated individuals earning

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3 Reasons to Include Buy-Sell Disability into Your Practice

Posted Tue, Oct, 10th, 2023
By Exceptional Risk Advisors

When your clients are immersed in the daily hustle of business growth, their blinders are up and they are not thinking about unexpected events that could occur. However, as advisors, it's our duty to

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Enhancing Key Person Risk Mitigation Strategies: A Focus on Disability Coverage

Posted Wed, Sep, 13th, 2023
By Exceptional Risk Advisors

In the realm of safeguarding businesses, key-person life insurance has long been a stalwart choice for many organizations. It provides a safety net, ensuring continuity in the event of a key person's

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Has COVID Impacted the Way We Look at Disability Insurance?

Posted Wed, Aug, 9th, 2023
By Exceptional Risk Advisors

The COVID-19 pandemic reshaped industries across the globe, and the disability insurance sector was no exception. As the world grappled with unprecedented challenges, carriers in this space were

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Comprehensive Income Protection: Explore High Limit Disability Guaranteed Standard Issue (GSI) Plans for Professionals

Posted Wed, Jul, 12th, 2023
By Exceptional Risk Advisors

In today's world, safeguarding income is crucial, especially for groups of highly compensated professionals. To address this need, one of the top insurance solutions available is the high limit

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NFL Disability Insurance Buying Season Starts Now

Posted Wed, Jun, 14th, 2023
By Exceptional Risk Advisors

80% of the NFL athletes we insure purchase disability insurance coverage during the months of July and August. With players heading into training programs, mini-camps, and OTAs (Organized Team

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Four Challenges Advisors Face When Positioning DI to Ultra-High-Income Clients

Posted Wed, May, 17th, 2023
By Exceptional Risk Advisors

For clients who have the tenacity and grit to be in the top 1% and earn in excess of $1 million, protecting their income takes a specialized approach. From entertainers and athletes to business

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When it Comes to Today's Mega-Concerts, Insurance Takes the Spotlight

Posted Wed, Apr, 12th, 2023
By Exceptional Risk Advisors

Music lovers have heard the recent horror stories about how some of Taylor Swift's fans were upset when they could not get tickets to see her upcoming mega tour. As a cynical, middle-aged, music fan

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Protecting Your Top Clients During Their Window of Opportunity

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

Like exceptional athletes and entertainers who took full advantage of their windows of opportunity, there too are exceptional CEOs, entrepreneurs, business owners, lawyers, hedge fund managers who

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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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