An Advisors' Guide to Excess & Surplus Disability Insurance

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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How Do Professional Athletes Protect Themselves Against the Risk of Injury or Illness?

Posted Thu, Jul, 26th, 2018
By Exceptional Risk Advisors

"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

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How to Fully Insure the C-Suite with a Multi-Life Guaranteed Standard Issue (GSI) Disability Policy?

Posted Thu, Jul, 5th, 2018
By Exceptional Risk Advisors

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

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What is Excess & Surplus Disability Insurance?

Posted Thu, May, 31st, 2018
By Exceptional Risk Advisors
Excess & Surplus Disability Insurance is a line of insurance that can be accessed and utilized by individuals whose needs extend beyond the capabilities of U.S. admitted disability insurance Read More

Introduction to Our Blog!

Posted Thu, Apr, 19th, 2018
By Exceptional Risk Advisors

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

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