Our product selection offers solutions for a variety of clients and scenarios from Key Person DI to disability buyout protection to interim coverage to disability coverage for professional athletes and entertainers.
All products are offered pursuant to the excess and surplus lines laws of each individual state and must be placed through a properly licensed excess or surplus lines broker. These products are not available to the general public, and not all products are available in all U.S. jurisdictions. Haneligh Insurance acts strictly as a wholesale broker and products can only be obtained from Hanleigh through a properly licenced excess or surplus lines retail broker.
Hanleigh represents the world's largest binding authorities for disability buyout protection. With lump sums exceeding $1,000,000 per life, Hanleigh can cover virtually any corporate need. In addition, with the Human Capital Protector, Hanleigh can immediately bind up to $50,000,000 of permanent total disability for up to 180 days.
Disability buy out protection is critical coverage for owners of privately held businesses. Statistics show that, for most business owners, 90% of their net worth is tied up in their business yet few protect the loss of this equity due to a disability. The Equity Protector is designed for highly successful businesses that require substantial sums of disability buyout protection.
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Insurance industry consolidation and unexpected disability losses have caused a void in the disability income market. With executive compensation on the rise, and issue limits for disability income protection in decline, highly compensated individuals are not able to adequately protect their income against a disability loss.
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For years, corporate risk managers have identified executives who are "key" to the success of their organization and have responded to the risk of potential loss by purchasing Key Person life insurance. The risk of disability presents identical concerns for the corporation with a far greater probability of occurrence.
Hanleigh, a Talent Protector provides solutions for both temporary and permanent disability scenarios.
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Traditional group and individual income carriers fail to meet the increasing demands of highly compensated executives. Most carriers limit issue levels to $25,000 a month which leaves corporate executives earning $500,000 a year or more under insured.
For groups of 10 or more, Hanleigh Guaranteed Standard Issue (GSI) program is capable of making a non-medical offer on your most highly compensated group.
Entertainers represent a unique challenge for disability underwriters. Whether Hanleigh, is insuring an entertainer's personal income or a corporation's contractual relationship with an artist, The Artist Protector can deliver customized coverage at levels of indemnity.
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Hanleigh, provides a wide array of coverage for professional sports teams, leagues and athletes.
|Download The Athlete Protector|
Although rarely heard of in the United States, kidnap and other terrorist-related incidents pose serious risk in various areas of the world, especially against US citizens and corporations who often appear very wealthy in less developed regions. Kidnap and ransom insurance can be secured through Lloyd's of London to cover many risks including individuals (pleasure, corporate and entertainers); corporate group coverage; or full protection of foreign-based offices (employees, office sites, physical property and computer equipment) from kidnap, bombings and terrorist computer viruses.
All "claims" are managed by Control Risks, an elite international security force specializing in kidnapping and terrorism.
For more information on travel warnings for US citizens for specific countries, see the US State Department advisories or call for a complete Control Risks security report.
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Whether we are insuring a 50 city tour for a rock band or a nationally syndicated game show, Hanleigh Companies design creative contingency contracts to meet the needs of satisfied insurance buyers.
Types of contingency offered
In the world of mergers and acquisitions, venture capital, and investment banking, timing is a paramount concern. In today’s fast-paced corporate environment, key person insurance is often needed immediately upon closing of business transactions to satisfy the concerns of investors and corporate risk managers.
The Contract Protection Insurance product can provide coverage for corporate transations while traditional life and disability underwriting takes place. Up to $50M of Contract Protection Insurance and/or Permanent Total Disability coverage can be bound in a matter of hours with a one-page application and letter of financial justification. With policy terms available from 30 days to 24 months, Contract Protection Insurance offers immediate protection during the underwriting process allowing transactions to close on schedule.
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AD policies can be issued in increments of time from 1 day to 36 months, coverage amounts range from $1 million to $100 million and coverage can generally be bound within hours with an application and financial justification. In addition to basic individual coverage, Accidental Death insurance can be designed to cover the following risks:
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In the world of mergers and acquisitions, venture capital, and investment banking, timing is a paramount concern. In today’s fast-paced corporate environment, key person insurance is often needed immediately upon closing of business transactions to satisfy the concerns of investors and corporate risk managers. Unfortunately, once the need for key person insurance is determined, traditional life and disability underwriting averages 60 days.
Hanleigh designed The Human Capital Protector to provide interim coverage for corporate transactions while traditional life and disability underwriting takes place. Up to $25,000,000 of Contract Protection Insurance and/or Permanent TotalDisability coverage can be bound in a matter of hours with a one-page application and letter of financial justification. With policy terms available up to one year, Human Capital Protector offers immediate protection during the underwriting process allowing transactions to close on schedule.
|Download Human Capital Protector|