Traditional disability and life insurance carriers offer products that adequately meet the demands of most consumers, but what about those who fall outside the norm? Louis John Stanzione at Fairfield Green Enterprises, a private wealth advisement specialists based in Summit, NJ, recommends investigating the potential offered by insurance markets, which are often able to make adjustments for even the most unique situations.

Insurance markets, such as Lloyd's of London, have a different approach to risks which make specially-tailored products easier to obtain. A few of these special cases include:

• Partial-Body Insurance: Surgeons who wish to insure their hands or entertainers whose careers depend on their abilities may want to insure the body part upon which their livelihood depends.
• Disability Insurance For High-Income Individuals: Generally, disability insurance should replace two-thirds of your income if you're unable to work. However, most insurers balk at paying benefits sufficient to replace the wages of workers making over $1 million annually. Insurance markets provide plans that replace a sufficient proportion of your income if the unexpected should occur.
• Insurance For Unusual Occupations: Some occupations, especially athletes and entertainers, do not fit neatly into the risk assessments of traditional insurance providers. Likewise, those who engage in dangerous or risky hobbies often have difficulty acquiring health, disability, or life insurance.

Whatever your needs, you can rely on Louis John Stanzione at Fairfield Green Enterprises for expertise informed by decades of financial consulting experience. Whether you're looking for assistance with estate planning or need assistance filling a unique, specific life insurance need, he'll have solutions to fit your lifestyle. Visit his website to learn more about his suite of services, or call (908) 277-2603 to schedule an appointment today.