Accident & Health

Private Client Services:

The natural affinity here is the ability to offer high sums insured limits for Accidental Death (AD), Permanent Total Disability (PTD), and Temporary Total Disability (TTD) both on an accident and sickness basis. Furthermore, up to 5-year policies can be offered (with annual resigning) and benefit periods up to 60 months. These policies require medical underwriting which should be relatively straightforward if Heffernan’s already has an involvement in the placement of the Life Insurance.

Short-Term Travel Plans

Our key focus here would be any coverage or locations that are excluded under the Geo Blue offering, perhaps travel to “high-risk areas” and whether there is enough premium base (for these declined risks) to be placed under a specific travel or wider A&H facility. Lloyd’s has extensive experience in the “high-risk” space.

Costero can offer a group accident policy for the employees; as well as a corporate travel policy where applicable. This will naturally be limited by any workers’ comp policies; however, group PA policies do provide 24-hour coverage and can often act as a buffer to a workers’ comp policy if there is a self-funded deductible, which is often the case with large employer placements.

Additionally, if there is a critical mass of independent contractors (non-employees) in sectors such as healthcare (care homes, for example), hospitality, and the food industry, then this is an area to be explored also.

Other available products are as follows:

• Contractual Protection Insurance, previously known as Failure to Survive (FTS) or Confidential Life.
• Sports Disability
• War & Terrorism
• High-Limit Event Accumulation
• Medical Expenses
• Occupational Accident
• Affinity Groups & Association