Your clients rely on you to navigate the continuously changing disability insurance world. Let us navigate those waters for you. With top relationships around the world, ESE will obtain coverage from dollar zero upward.
Attorneys
An attorney making $750,000 a year has children entering their teenage years. Realizing his lifestyle and ability to pay for college would be greatly impacted if he could not collect an income, this attorney seeks disability income protection. The employer has provided $15,000 of LTD. ESE was able to get this client $10,000 through the domestic market and an additional $15,625 through the excess market. The total amount of disability insurance in place is now $40,625 per month, or 65% of earned income.
Hedge Fund
A world – renowned hedge fund was purchasing a highly profitable transportation conglomerate. Having little experience in transportation, the hedge fund kept the owner and founder of the company on as the CEO. Realizing this CEO was a key to continued growth and profits, the hedge fund obtained key person coverage for this employee. The coverage was owned by the hedge fund and provided the fund $30m if the key person were to pass away within 2 years of the transaction date. No medical underwriting was needed and coverage was placed instantly to preserve the insurance mandate in the transaction.
Athletes
A top-flight professional athlete began a highly profitable side business that needed a quick influx of cash to expand and meet demand. This athlete sought out this cash influx through borrowing. This highly reputable lender protected the loan with a Death, Dishonor and Disability policy. This policy protected the lender and the loan if the athlete lost his contract through a death, disability or dishonor and was not able to repay the loan.
Athletes
Emerging sports star in one of the major 4 North American sports realized what a catastrophic disability or sickness could do to their future earnings. This athlete turned to E.S.E to protect his future free agency pay day with a $20,000,00 career ending policy partnered with a Loss of Value rider for $10,000,000. This policy protected this future star in the even his career ended or lost out on future earnings due to an accident or sickness.
Law Firm
A large national law firm with over 3,000 employees wanted additional benefits to help attract and keep top attorneys. E.S.E was able to provide two options for this firm, an executive carve out on the top 25 partners and a voluntary program for all eligible employees. With elite contacts in the excess market, ESE was able to access a fully customized offering with an enrollment site.
