CSU's Disability Solution for your
Hard to Place Cases
Worry no more. When you can’t find a Domestic Solution due to medical history, occupational challenges and financial restrictions, CSU has the solutions! We provide creativity, flexibility, and significant opportunity to place these cases.

Since most standard carriers decline impaired risks, individuals with pre-existing medical conditions or high-risk occupations and avocations are typically left vulnerable with little to no income protection for themselves, their lifestyles, and their families.
Our Target Markets
White Collar Professionals
Blue & Gray Collar Occupations
Medical Professionals
High-Risk Occupations
High-Risk Activities
Significant Health Impairments
Hard to Place
Medical Conditions Considered: 
  • Cancer
  • Stroke
  • Diabetes
  • Mental/Nervous Conditions
  • Aneurysms & Clots
  • Musculoskeletal Issues
  • Heart Attack & Stents
  • Build Challenges
  • Past Substance Abuse
  • Height and weight concerns
Hard to Place
Occupations Considered: 
  • Pilots/Flight Attendants 
  • Tattoo Artists 
  • Self Employed Business Owners 
  • Entertainers 
  • Movie & TV Producers
  • Start Up Businesses 
  • High-Income Earners (Clients with High Net Worth or Client’s with High Unearned Income)
Product Key Features
  • Coverage up to 75% of Income 
  • Monthly benefit amounts from $1,000 to $200,000 
  • Benefit aggregates up to and above $50M
  • Policy Terms 1, 3 and 5 years
  • Elimination Periods 90, 180, & 365 days or longer
  • Own Occupation Definition of Disability 
  • Pre-Existing Conditions and Impairments typically excluded, rated or warrantied
Email us for a quotation !
More information on how we can further your business opportunities:
All programs listed above are 100% Underwritten by Lloyd's
Coverage's available in all provinces except New Brunswick* (*please call for exceptions)

"CSU is an Open Market Correspondent at Lloyd's effected through certain syndicates at Lloyd's Underwriters"
 
For more information please contact:
Stephen Beda CFP®, CHS
President
Toll Free: (866) 865-8785
Office: (519) 752-8956
Fax: (866)259-9273
Email: admin@specialtyrisk.ca
Website: www.specialtyrisk.ca
Email us for a quotation !
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