Life Insurance

Mitigating dynamic and evolving exposures.

At NFP, we understand the inherent complexities faced by organizations in the cybersecurity space. We partner with you to create a fully integrated approach to risk management including risk mitigation and transfer mechanisms. The result is a tailored solution best suited to your organization’s needs.NFP’s objective has always been to stand beside and develop risk and financial strategies with our clients. Teaching, learning and building together in the increasingly complex world of cyber insurance is the best path forward. Each day—as the technology moves faster and faster—the opportunity grows for us to bring expertise and insight to clients to achieve their vision for the future.Analysis, Benchmarking and Dedicated SupportThe process begins with a true risk quantification. We breakdown your risk to match it to industry and comparable metrics to provide real time benchmarking. We have access to tools internally and externally to help you better understand your overall risk profile. These include proactive services to help you better prepare for a cybersecurity incident, a policy form with customized language taking into account your industry class, size and trends, a panel of extensive breach response vendors to help you respond to an incident should one occur, and a dedicated claims advocacy practice ensuring you obtain the maximum recovery under your insurance policy should a claim occur.The role of the broker is that of a true partner and extends beyond the insurance platform to provide consistent resources including a dedicated risk management portal to help understand the changing legal and regulatory landscape in which your company operates. In addition, we provide ongoing thought leadership in the forms of articles, whitepapers and webinars to help you understand the latest developments and emerging trends unique to your industry. Should a specific cybersecurity need arise relating to your organization’s regulatory exposure, third party vendor resources or anything else, NFP will guarantee your organization has the tools in place to respond.An Ongoing CommitmentOur promise to you does not end with an insurance risk transfer solution. Whether you experience a lost laptop, a full blown ransomware attack, data breach or other cyber or privacy event. Our claims advocacy practice is dedicated to working directly with you and your carrier to achieve a fast, equitable resolution to even the most complex claim or incident. We'll work to ensure that you are actively involved in the resolution of the cyber incident and your preference for vendors is heard.To learn more about how you and your entity can benefit from NFP’s cyber and technology leadership, contact us today.

Prepare for the unexpected.

While the business disruption of losing one of your top-tier workers to injury or illness is difficult enough on its own, standard disability insurance can leave a compensation gap for your high earners, undermining the welfare of your business and leaving your affected executive out in the cold.Bonus compensation and base salary above a certain maximum aren’t covered by regular disability benefits, leaving your valuable employees to contend with a disability and an income gap concurrently. What's more, disability benefits can be subject to federal, state and local taxes. With the right arrangements, however, you can make sure your highest-paid professionals have the coverage they need.High limit disability insurance can protect your businesses and those elite executives to supplement the benefits under a group disability policy. For a business, high limit disability insurance can be purchased on a key executive or used in conjunction with a buy-sell partnership agreement to help protect and plan for the future of the business in the event of a disability. It offers financial protection in the event of short-term or career-ending injury or illness, and it can be used to protect your future earning potential as well as the non-guaranteed portion of a current employment contract. Regardless of the severity of the situation, disability income protection can safeguard your organization and the employees who have given it their best, day after day.Our proprietary operating platform lets you implement disability income benefits for high earners with little impact on corporate HR through: Increased coverage maximums Protected bonus compensation Tax-free benefits Choosing the appropriate coverage is an important decision. Your needs will vary depending on your profession, your goals and other circumstances unique to your situation. NFP can help you determine which coverage best suits your needs.

Peace of mind online and off.

Personal cyber insurance covers individuals for their personal online security risks and financial loss due to cybercrime.Cybercrimes and risks include: Online account takeover or compromise Expenses incurred or financial loss due to identity theft or social engineering scams SIM swapping incidents Smart home device-related incidents Ransomware Cyberbullying and others Home insurance and other standard policies do not provide adequate coverage for cybercrime. Fortunately, we offer various personal cyber solutions for individuals and their families, whether it be an endorsement of your home policy or a stand-alone policy. Not all policies are alike, and few provide coverage for all the risks you face today. As your insurance advisors, we can review your needs together and present you with solutions to protect you against cybercrime risk.Personal Cyber OptionsCyber risks can often feel beyond our control, but there are easy-to-obtain solutions to protect you and your family. In addition to the product range available through our partners, we have developed DigitalShield, a stand-alone personal cyber product to protect all aspects of your life. Our DigitalShield product is an online insurance policy that can be purchased in under five minutes.This policy covers financial losses and cybercrimes if you are a victim and need to make a claim, and also provides pro-active support to help you 24/7 with any question you have. It removes the guesswork, whether it be about your home network, your personal safety online, or if you need to review a suspicious call or email you received. This bonus cyber concierge service gives you and your family members access to reliable support to bring you peace of mind.Comparing OptionsWhether you choose a stand-alone policy like DigitalShield or want to learn more about add-ons to your current policy, when trying to deal with the unexpected, we're committed to providing a broad range of coverage to protect our clients, their families, homes and assets. DigitalShield provides the most comprehensive stand-alone policy available today, with options starting at $200 per year.If you’re not sure what coverages you should be looking for in a personal cyber policy, here’s a simple comparison chart to help.#whats-covered thead th:last-of-type { background-color: #1b2a39;}#whats-covered tbody th { font-weight: 500;}#whats-covered thead th:first-of-type { background-color: #005483;}#whats-covered .fa-xmark { color: #dc2d1c;}#whats-covered .fa-solid { font-size: 25px;} What's Covered ProtectionwithDigitalShield® ProtectionThroughOther Policies   Stand-alone policy Coverage for all family members of the household (at home and while traveling), unlimited devices, and all locations you own or rent worldwide included in one policy Access to a personal cyber expert 24/7 (available to assist you with cyber concerns and inquiries or to make a claim) Broad limits of coverage available (starting at $100,000 and up to $1 million) Identity theft and financial loss coverage (with no sublimit) Cybercrime coverage (including social engineering, phishing, online scams and SIM swap, with no sublimit) Cyberattacks coverage (with no sublimit) Cyberbullying and cyberstalking coverage Protection for your activity online (such as online accounts, online banking, shopping, social media) Ransomware and extortion coverage (with no sublimit) Smart devices and wearables coverage (including entertainment systems, appliances, home monitoring systems, cameras, thermostats and other connected home devices) Reputation management, well-being costs (psychologist and more), relocation costs, tutoring/school costs and legal service fees (covered when associated with a claim) For informational purposes only. This document does not amend, extend or alter coverage. Please refer to any actual policy(s) for specific terms, conditions, limitations and exclusions. An Ongoing CommitmentWhether you experience a suspicious call, a full-blown ransomware attack, a compromised online account, or other cyber or privacy event, our team is dedicated to working with you to provide proactive support and in the event of a claim, achieve a fast, equitable resolution to the most complex scenarios.To learn more about how you and your family can benefit from NFP’s cyber and technology leadership and solutions, contact us today.