Monthly Archives: April 2021

Income Protection in the High-Net-Worth Market

The common definition of a high-net-worth individual (HNWI) among economists, bankers and financiers is someone with liquid or investable assets of at least $1,000,000.  That certainly doesn’t encompass most Americans, but unrecognized by many in the financial services industry, it does include a broad swath of prospective clientele, everyday searching for additional financial protection options […]

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Risk Spotlight – Real Life Case

A 39-year-old psychiatrist was seeking some personal disability insurance in excess of her medical practice’s group coverage.  However, she was finding it quite difficult to acquire any offers from the domestic market carriers because of her health history.  She unfortunately suffers from IGA nephropathy, a chronic kidney condition as well as kidney-related lab elevations.  With […]

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DI for Professional Aviators

Disability income protection is absolutely imperative to professional aviators.  Whether a pilot flies for a commercial outfit or private corporation, is self-employed as a crop duster or does firefighting from a helicopter, the reality of disablement exists among every class of aviator.  Due to accident or illness, there is always an imminent threat of short-term […]

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