An Advisors' Guide to Excess & Surplus Disability Insurance

In today's world, group long-term disability insurance has become an expected benefit offering for professionals. It has been around for decades, it has become highly commoditized and there are many

When one thinks of Accidental Death & Dismemberment insurance, images of daredevils summiting Everest, deep-sea diving off the coast of Australia, or race-car driving in the hills of Italy are

Research shows that about 40% of business owners are financially prepared in the event their partner(s) dies. However, only about 15% are prepared if their business partners are disabled. When

For organizations with Key Executives who are vital to the financial success of their business, a corporately-owned Key Person Disability Insurance program is available with a policy structure that

Congratulations, your NBA client is approaching free agency! The big payday contract is now in sight. These massive contracts can be worth hundreds of millions of dollars, however, before the

Supplementary disability income insurance has been around for decades, but for the highly compensated individual, domestic coverage just scratches the surface.  

For example, if you were one of the

At Exceptional Risk Advisors, we are thinking of our friends, family and partners across the world as we are impacted by COVID-19 and its dramatic impact it has on every single one of us. This does

When people think of the Excess & Surplus Lines Market, they often envision insuring fabulously well-known celebrity body parts, whether it's JLo's well-photographed derriere, Dolly Parton's

For professional athletes, their ability to play is their greatest asset.  It is their ticket to potential future income - on the court/rink/field/course and off.  According to Business Insider in

Much like the food pyramid, when working with exceptional highly compensated clients, layering is key to a healthy Guaranteed Standard Issue (GSI) plan. Group long-term disability insurance has