Business Case Solutions

Are you having trouble placing some of your client’s life and disability business insurance needs in the regular market? We know how frustrating and complicated these situations can become. Declines in this space can create a devastating ripple effect on a business and on your relationship with your clients. For example:

• The negative medical history of a single business partner can put an entire Buy-Sell program in jeopardy leaving the business vulnerable in the event of any of the partner’s death or disability.
• The lack of Loan Collateral insurance can prohibit the release of capital from lenders for important business projects.
• The inability to obtain sufficient Key Person coverage may reduce investor confidence and capital partner options.

We have business insurance solutions for some of the most challenging situations!

• Adverse medical history
• Adverse lifestyle history including past and current drug use, driving and criminal history
• High limit needs
• Limited corporate financial history
• Disability insurance for age 65+
• Short term needs
• High risk avocations
• Unique occupations
• Unique contractual requirements
• Foreign residency, travel or citizenship

We have recently insured:

• $10 million Loan Collateral with incomplete medical investigations
• $25 million Buy-Sell for partner with current drug use
• $30 million Key Person back country skiing risk
• $50 million Key Person with customized definition of disability
• $50 million Buy-Sell for auto-racing risk
• $500,000 per month Key Person for media personality

Our innovative underwriting process provides greater flexibility than traditional markets and often allows us to proceed with a risk even when there is limited access to medical evidence or current labs.

For more information or a quote on our business case solutions, please visit our website, complete the Get A Quote form or contact us directly.

Brooke Curry
Sales & Marketing Associate
T 416.408.5659
TF 1.888.995.9199 ext. 1
brooke@hunmcc.com