Specialty Risks

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Lloyd’s Disability Insurance

Individual disability insurance for unique cases that cannot be issued by a traditional DI insurer: Income Replacement, Key Person, Business Overhead and Buy-Sell Plans, Bank Loans

  • Flexible structure can be customized to meet individual client needs
  • High limit coverages for personal and business needs  sums insured up to $10 million Higher Limits Available
  • Foreign travel or residence – anywhere in the world (optional War Risk coverage)
  • Short term coverage requirements e.g. during leave of absence, waiting period for group LTD
  • Coverage for those age 60 to 70 and still working
  • High risk occupations and hobbies
  • And covering such individuals as Executives, Doctors, Lawyers, Entertainers, Entrepreneurs, Portfolio Managers and Athletes to name a few.

Lloyd’s Personal Accident Insurance

An excellent supplement or alternative to life insurance in many situations

  • AD&D (accidental death and dismemberment) or  AD only
  • Optional Permanent Total Disability
  • Sums insured in excess of Domestic Insurer limits
  • Life insurance medical declines
  • Life insurance declines for foreign travel or residence (anywhere in the world)
  • Specific risk e.g. covering exclusions in individual or group life plans (avocation, travel, war)
  • Available on individual or group basis
  • War/terrorism coverage – standalone or add-on Individual or Group Coverage
  • Lloyd’s Kidnap & Ransom Insurance

    Coverage for both foreign and domestic risk of Kidnap, Extortion, Illegal Detention and Hijacking Reimbursement of ransoms paid and other comprehensive insurance benefits

    • Individual, family and corporate policy forms
    • Worldwide Coverage with Sums insured in excess of Domestic Insurer limits