High Net Worth Protection Plan™

"What I came to find is that the values and sense of commitment  that EHL has towards their clients were similar to Aspect's in that we both highly value responsive client service and internal accountability - that really resonated with me ."

"I appreciate your efforts to coordinate our program. We filled gaps in coverage we didn't know existed and got rid of coverage that wasn't bringing good value."

"Having had such a positive experience with our business insurance, I also entrust all of my personal insurance needs with EHL and continuously recommend that my peers do so as well."

Some of our clients experience more complex risk exposures and coincidently more expensive risk exposures. EHL is proud to offer our High Net Worth Protection Plan™ for those clients whose assets or situation may include:

• A residence with a reproduction cost in excess of $1 mil
• Multiple investment properties
• An expensive collector car collection
• A yacht and/or high end motorhome
• A large investment in jewelry/fine art
• Significant income protection needs for your family, or simply a need for greater liquidity in conjunction with your overall estate plan

A cookie cutter approach to financial services makes no sense for people with widely different needs. EHL has trademarked our approach to high net worth individuals given that our plan is as unique as the clients we serve.

Some of the features of this important program include:

Risk Identification – On site inspections reveal inordinate loss exposures requiring special treatment that are not always discernable without a hands on approach.

Client Interview – Understanding our client’s “top end” loss exposure as well as their risk tolerance for self insuring smaller losses, helps us tailor individualized programs.

Risk Management Tools – We discuss avoidance, retention, loss control and contractual transfers in addition to insurance. Sometimes people can save significant premiums by using techniques other than insurance

Survey of Insurance Companies – We determine value by finding the company that does the best job of insuring the client’s unique exposures; has the necessary underwriting appetite; and competitive rates.

Program Structure – We will construct programs that assimilate the right company, client desired non-insurance risk treatment tools; and coverage limits/deductibles that reflects both top end exposures and low end risk tolerance.  The result is often significantly greater coverage for less premium. 

Income Replacement Analysis - For clients who have yet to accumulate all the assets they will need to retire, we interview our clients to ensure that the goals they have for their program are being met by their existing program.  Modifications are recommended to fill any gaps. 

Coordination of Services – We work with our client’s estate planning attorneys, CPAs, financial advisors and other trusted advisors to ensure that all are working together in the maintenance of a holistic plan.

Please email Jeff Ogard or Michelle Moss or contact at 800-929-1669 for more information.