Non-Athlete Coverages

Special occupations require special protection!

Sometimes the traditional insurance marketplace just isn’t the place to go when dealing with the needs of high net worth individuals.

KSI is the place!

If you are a highly paid executive and/or dependent on a key employee, odds are that you need access to specialty insurance companies that recognize and address your unique needs.

We have insured a wide range of clientele in this niche, including actors, highly paid executives and large corporations with significant financial exposure.

To follow are just some of the products we provide:

Disability - high net worth individuals

If you have an annual income over $500,000 it is likely that you have a need for supplemental disability coverage. The standard disability marketplace typically caps limits at $15,000 or $20,000 per month thus requiring supplemental cover to ensure that the client is protected up to 55% or 60% of their annual income. If justified, these specialty markets will provide monthly limits of $50,000 or more with a lump sum of permanent total disability coverage calculated on a net present value basis to address the truly catastrophic disability.

Disability - physicians

Until recently, this marketplace was almost non-existent due to heavy losses in London over the years. Now several insurance companies are aggressively positioned to offer this coverage, even relating to the higher risk disciplines.

Disability - corporations

Due to the seemingly continuous scandals in Corporate America, this ‘key person’ cover is something many organizations are investigating to protect their financial interests. Whether the key employee is the CEO or the company’s best salesperson, as long as financial justification can be provided this cover is available

Life Insurance

While many believe life insurance products are all the same, the truth is that this coverage can have a significant impact on the financial well-being of high net worth individuals if structured properly. In conjunction with former NFL athlete Bruce Mesner, this is what we do; unique life products for unique occupations.

Need more? Ask us about the following:

Disability & Life coverages relating to:

  • Supplemental Group Programs
  • Mergers & Acquisitions
  • Buy/Sell Agreements
  • Employment Contracts
  • Loan Agreements
  • Business Overhead
  • Employee Stock Overhead Plans
  • Stop Gap Life Coverage
  • Accidental Death
  • Kidnap & Ransom
  • Travel Accident (including high risk areas such as Iraq & Afghanistan)
  • Death & Disgrace
  • Image Protection