As a part of GBS’ commitment to serving our advisors, we are positioned to handle exceptional cases that may not be available at typical brokerages. Much of what we do involves customized planning and specialty products, especially when serving affluent clients and business owners.
LLOYD'S OF LONDON: DISABILITY AND RELATED PRODUCTS
Through our relationships with Lloyd’s of London sources, we can provide access to specialty life and disability products and can shop multiple Lloyd’s groups at once to find the best pricing and coverage.
- High Limit Disability – for Highly Compensated Executives, Professional Athletes, Entertainers and Business People.
- Failure to Survive/Contract Indemnity – short-term coverage often used in Mergers and Acquisitions, and other business operations.
- International coverage – life insurance, major medical and disability for clients working abroad.
- Much more - Contact us to inquire about the myriad of other special coverages available via the Lloyd’s markets.
PREMIUM FINANCING
GBS can provide financed case design for large life policies of the affluent, where the life policy itself is used the primary collateral for premium loans.
LARGE CAPACITY LIFE
Through special arrangements with large re-insurers and key carriers, we can offer upwards of $120,000,000 on a single life with a single carrier, and even more coverage when carefully layering multiple policies.
SPECIAL MEDICAL UNDERWRITING PROGRAMS
For difficult to place cases, we have special access to exclusive re-insurance programs and impaired risk carriers not available through many sources.
BUSINESS OWNER PROGRAMS AND PLANNING
GBS can help facilitate business evaluations, buy-sell contract reviews and succession plans for your business clients.
LIFE SETTLEMENTS
We can assist your clients in shopping the secondary market to obtain best pricing on unwanted or unneeded life insurance policies. The life settlement marketplace is for clients over 65 who have existing life insurance policies that they would like to liquidate for immediate cash.
EXECUTIVE BENEFITS
Let us assist your business owners and executives with advanced concepts such as:
- Deferred Compensation
- Corporate-Owned Life Insurance (COLI)
- Bank-Owned Life Insurance (BOLI)
- Multi-Life Guaranteed Issue/Simplified Issue (GI/SI) for life, LTC and disability coverage
CONSUMER PRODUCTS
We offer specialty products aimed at consumers covering:
- Critical Illness
- Accidents/Accidental Death
- Final Expenses/Burial