An Advisors' Guide to Excess & Surplus Disability Insurance

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

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 protectionis the

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, according

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 driven.

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

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 is The

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

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. 

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,