PETERSEN INTERNATIONAL
Direct Correspondents of Lloyd’s of London

“Beyond The Traditional”

High Limit Insurance Policies

·        Business Executives
·        Physicians and Surgeons
·        Professional Athletes
·        Pilot Disability
·        Starcover

Explanation of Lloyds Disability Contracts

·        Term specific Contracts
    -  1 to 5 years
    -  At the end of contracts, must reapply and be underwritten if client wishes
        to continue benefits.
·        Flexibility through added options
    -  Residual Disability
    -  Cost of Living Increase
    -  Lump Sum Benefit (not available from traditional coverage)

Premier Disability Programs

·        Excess Disability Coverages
    -  Tax Free Benefit Limits
    -  Physicians – the greater of 65% of income or $20,000 monthly
    -  Executives – 65% of income, no monthly limit
    -  Traditional Coverages – the greater of 40% of income limited to $15,000
        monthly
·        Buy-Sell Disability
    -  Up to $20,000,000
    -  Traditional coverages limited to $2,000,000
·        Business Overhead Expense
    -  Up to $100,000 monthly
    -  Traditional coverages limited to $30,000
·        Key Person
·        Bank Loan Indemnification
·        Employment Contract Completion

Specific Needs Coverages

·        High Limit Accident Life Insurance
    -  World Wide
    -  Terrorism Coverage
    -  $250,000 - $5,000,000
    -  2 Weeks to 1 Year Coverage
·        International Term Life Insurance
·        International Medical Plans
·        Kidnap and Ransom Insurance