A few weeks ago, I was working on a case that looked finished on paper.

A high-earning medical specialist.
 Income north of $1.5 million per year.
 Individual Disability Insurance already stacked across carriers and sitting right at the traditional max.

On the surface, the conclusion was obvious.
 That’s it.

Once DI is capped, the next move is usually excess markets, and the conversation moves on. But in this case, there was still another move to consider.

This is the reality with top earners. Income keeps growing, lifestyle keeps scaling, and risk does not politely stop just because a carrier guideline says “maximum.”

That is when I remembered a solution we introduced a couple of years ago. Recently, changes to how the DI rider works made it even more impactful, and that is where Safeguard 360 changed the conversation.

By integrating Safeguard into the overall strategy, we were able to add an additional $10,000 per month of individual DI, even though traditional limits had already been reached. Only after optimizing that layer did it make sense to explore excess options, based on policy language and structure.

If DI planning for high earners is part of your practice, this is a structure worth understanding before defaulting to excess markets.

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