High limit disability protection provides personal accident & sickness disability coverage to highly compensated individuals who are seeking additional income protection from a temporary or permanent disability. In addition, these policies use an "own occupation" definition giving enhanced protection in the event these exceptional individuals can no longer earn the income they have become accustomed to receiving.
From athletes to entertainers, Specialty Group helps these top-earning individuals through disability policies that can protect them for up to 60% of their income. Policies such as temporary total disability will provide the Insured with a monthly benefit, while permanent total disability provides a lump sum benefit. Both policies can be combined into one, providing further insurance protection.
For businesses and their executives, Specialty Group structures policies to preserve the future of a company. Third party coverage such as key person insurance permits a company to protect their human capital. Meanwhile, buy sell coverage offered at meaningful limits allow for companies to stay afloat should one partner become disabled.
Specialty Group has in-house limits of up to $100 million (higher limits may be available upon request). Our AA- and A+ rated carriers paired with handling our own claims allow Specialty Group to be the superior choice for providing high limit disability protection insurance to athletes, entertainers and executives.