High Limit Disability Buy/Sell

Owners create a foundation of human capital that drives the success of the company. What happens to the company if one of the partners or stockholders is disabled and their expertise is lost?

The sophisticated advisor should consider Disability Buy-Sell coverage to meet the needs of such organizations and the remaining partners or stockholders.

Coverage includes:

  • Disability Buy-Sell Limits up to $100,000,000.
  • Lump sum payouts beginning after 6, 12, 18, or 24 months.

Victorson Associates experts can manuscript policy wording to meet a client’s contractual obligation or other specific needs.

Case Study 1

An organization had a contractual Buy-Sell Agreement covering all 18 of it’s owners, ranging from $300,000 to $20,000,000. Victorson Associates designed Disability Buy-Sell policies on all the owners with an aggregate benefit in excess of $50,000,000.

Case Study 2

A large corporation with four equal shareholders sought protection against the disability of any of the four partners on a first to be disabled basis. With the business valued at nearly $60,000,000, Victorson Associates designed a $15,000,000 Buy-Out policy that would pay a benefit in the event of the permanent disability of any one of the four principal owners.

May we assist you to better cover your High Net-Worth client’s needs for High Limit Buy-Sell Coverage?

Please contact us with your requirements.

We are here to help you become a hero.