An Advisors' Guide to Excess & Surplus Disability Insurance

Due to the nature and volatility of the entertainment business, traditional U.S. disability markets will not insure those in the entertainment industry. Therefore, advisors turn to the Excess &

In short, to adequately protect a highly compensated client's income is through a layering strategy. Group long-term disability (LTD) + Supplement Individual Disability Income (IDI) + Lloyd's of

We are often asked by advisors, "How do I succeed in the excess lines space?" or "What are the attributes of a successful advisor?". The short answer is having a basic education of the products,

A majority of privately held business owners have the majority of their wealth tied up in their businesses. Protecting their equity from the event of a disability to either themselves or to one of

Many organizations are protected by key-person life insurance, or at the very least have a succession plan should the key person pass away. But statistics show the risk of disability during the

There is probably no greater example of the term "human capital" than a high-priced athlete, whose body will always be in harm's way and should be protected from a serious or career-ending injury or

The term “American Dream” was originally coined by James Truslow Adams in his book, The Epic of America. Since the first publication of the book in 1931, the term has since been used by American

With the start of baseball season and the sports industry making strides to return to normalcy, it seems like a good time to provide an update on the current state of sports disability insurance. It

Chris Lack, Partner at Exceptional Risk Advisors, has built the largest sports facility in Lloyd’s for player purchased policies. However, he easily switched gears and spoke with us on how and when

Laura Muka, Partner and COO at Exceptional Risk Advisors, is a subject matter expert with more than 30 years of experience selling, implementing and funding executive disability plans. She provides