A doctor’s ability to earn a sizeable income is predicated on the ability to see patients, perform surgery, and further their education. Traditional insurers often fall short of the replacement ratios necessary to protect a doctor’s income adequately.
Exceptional Risk Advisors provides high limit disability solutions for medical professionals. Coverage is for “own occupation”, and Residual and COLA benefits are available.
High Limit Disability
Key Person Coverage
Business Overhead Expense
Accidental Death and Dismemberment
Kidnap and Ransom
A leading Cancer Surgery Center employed an elite surgeon that delivered a significant portion of revenue to the hospital. Exceptional Risk Advisors principals secured a $10 million Key Person Disability policy, which would pay the hospital if the surgeon suffered a disability.
A surgeon earning $900,000 per year obtained $20,000 per month of disability coverage through traditional outlets. Exceptional Risk Advisors underwrote an additional $25,000 per month, followed by a lump sum of $900,000 of disability coverage for the surgeon.