Experience W/ Group Disability Executive Overlay?

[joeblow]

Can anyone recommend particular vendors for an Executive carve-out Group Disability overlay? Why do you use them? What are their limits? How are their rates? How's the agent comp. look? etc. Any info appreciated.

 

[ABC]

Can anyone recommend particular vendors for an Executive carve-out Group Disability overlay? Why do you use them? What are their limits? How are their rates? How's the agent comp. look? etc. Any info appreciated.

What is the size of the group? Why not call DI carriers and ask them about your prospect.

Have you considered putting indiviudal DI policies on the executives? If you entertain that option consult with accounting to see if the company pays for the Individual DI policy what effect will that have on taxes.

Call a companies like Unum, Metlife, Guardian, Standard and so on.

All of them are foaming at the bit for business.

 

[somarco]

ABC is right. Individual DI thrashes group LTD as long as the folks are insurable.

 

[joeblow]

Call a companies like Unum, Metlife, Guardian, Standard and so on.

To clarify, I'm looking for someone who has experience w/ this plan or something similar -

High limit Executive Disability Insurance

I need info on an excess income (i.e. above usual limits), executive benefit overlay on an existing group plan. Unum, Guardian, etc. ain't gonna cut it. Tks.

 

[somarco]

I know nothing about those folks, but if you are running in those circles you at least need to talk with Petersen. They probably know more about surplus lines products than anyone else.

 

[dgoldenz]

Petersen is great for people with income higher than what a company like Guardian will insure.....but the comp sucks. I don't know what other carriers do this, but when we've done these, it's more of a favor to the client than to make a huge commission.

 

[ABC]

This is a weird thread and I am thinking that this is more of a pitch to sell whatever DI product they posted the link for.


Is it just me or every now and then people posting are using different accounts to post on the same thread to try to sell a certain product?


If your dealing with top executives you have to have your act together and further more be experienced. If your doing group DI plans then you should have relationships with the carriers that are competitive in your area.


I call BS on this account that posted this thread!

 

[joeblow]

This is a weird thread and I am thinking that this is more of a pitch to sell whatever DI product they posted the link for.


Is it just me or every now and then people posting are using different accounts to post on the same thread to try to sell a certain product?


If your dealing with top executives you have to have your act together and further more be experienced. If your doing group DI plans then you should have relationships with the carriers that are competitive in your area.


I call BS on this account that posted this thread!

Then howzabout you have the site admin. check the ip address of this post (as well as all my others) and see what they come up with?

I'm working on a case and solicited information, the avowed purpose of this thread.

You weighed in w/ a borderline non-responsive and entirely unhelpful comment to my inquiry. And now you call BS?

Who the hell are you? Piss OFF!

Oh yeah, I'd advise you to figure out the difference between "your" and "you're".

 

[rsli-moses]

I am not completely sure what you are looking for. But my buddy is the general agent for the Standard's individual disability unit.

His name is Brian Richardson and he works with Berkshire Advisor Resources. He works solely on disability cases and uses all sorts of insurance carriers, not just Standard.

(303) 221-2100

 

[ABC]

Then howzabout you have the site admin. check the ip address of this post (as well as all my others) and see what they come up with?

I'm working on a case and solicited information, the avowed purpose of this thread.

You weighed in w/ a borderline non-responsive and entirely unhelpful comment to my inquiry. And now you call BS?

Who the hell are you? Piss OFF!

Oh yeah, I'd advise you to figure out the difference between "your" and "you're".

Typical of a BS post trying to promote a BS link.

A true agent selling group DI would pick up the phone and call all of the DI carriers in your state. That way you could find the carrier that has the solution for your client.

As for my grammar, this is why I hire people to write my memos.


As for unique IP addresses: Most fake personas will have multiple servers so the IP address come up unique when they pitch their BS. I know there are outfits that use this tactic to bring traffic to sites. Much like you!