Disability insurance update — December 2013

By Steve Savant

Ash Brokerage Corporation


Revenue rainmakers and linchpin administrators are among the targeted class of employees for key person disability insurance. And there are some employer who are using key person disability insurance in addition to their personal disability insurance for greater coverage. And speaking of greater coverage, keep in mind that Lloyd's of London addresses not only excess coverage, but older ages as well. Steve and Tim walk through these topics and highlight sleep apnea and anxiety conditions that impact morbidity underwriting.