Excess Disability Insurance

Company-paid group long-term disability plans generally leave high-income executives with an income replacement percentage in the 20% to 40% range - well short of the stated plan percentage of 60%. Why? This is because the plans have monthly caps ($15,000) leaving higher income earners under-insured.

Protect income for your highest earners

Uninsured income is often missed by executives and other high-income earners.

We deliver proprietary and institutional disability coverage.

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Insure Income Gaps

Insure high-income employees up to an additional $50,000+ in monthly disability benefits.

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Protect

Insure against income lost due to a long-term disability as well as protect against the duties of your training, experience, and occupation.

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Speed

Get a quote and preliminary underwriting assessment (underwritten, simplified issue or guaranteed issue) based on the group of plan participants.

Protect your income

Uninsured income is often missed by executives and other high-income earners. All successful people, no matter the stage of their career, have a need to protect against the income lost due to a long-term disability.

How It Works

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Quote & Analysis

Gather information on the potential insureds, incomes (including incentive and equity-based), and plan design.

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Underwriting

Based on the insured population, we underwrite the plan under a guaranteed issue, simplified issue or underwritten carrier offer.

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Issue Policy

Issue the excess disability contracts and manage benefit amounts as incomes grow over time.