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.

Insure Income Gaps

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


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


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

Quote & Analysis

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


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

Issue Policy

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

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TRC Financial Insurance Services and affiliates are presently licensed to sell insurance and annuity products, as well as other securities products in the following states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia and Wisconsin. Residents of other states should consult with a local registered representative for insurance services and securities products. Proper state registration is mandatory prior to conducting business in that state. This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and a client suitability review. CA License - #0E14614 \ CA License #0B40789 \ CA License #0B52893 - The principal place of business and the state of domicile for TRC Financial is: 1 Post, Suite 150, Irvine, CA 92618. Securities offered through Registered Representatives of M Holdings Securities, Inc., a Registered Broker/Dealer Member FINRA / SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck. TRC Financial is independently owned and operated and is a Member Firm of M Financial. Please go to www.mfin.com and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship. For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to https://mfin.com/m-securities.

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