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 and excluded forms of compensation leaving higher income earners under-insured.
Executive Income Protection
Overview of Solutions for Highly Compensated Executives
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.
Forms of Compensation
Variable pay, bonuses, and other incentives are often excluded from group long-term disability plans.
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 the excess disability contracts and manage benefit amounts as incomes grow over time.