Executive benefits are a business imperative
At Risk Strategies, we specialize in innovative executive benefit solutions that help highly compensated executives build and protect long-term financial security. With a boutique service model tailored to sophisticated needs, we’ve designed and serviced thousands of executive benefit programs. Our process-driven team has over 150 years of combined experience and delivers expert consulting, seamless administration, and reliable results—while minimizing the demands on your HR team.
Whether solving complex challenges or correcting past plan issues, we provide the insight and support your need to deliver meaningful value to your leadership team.
Invest in leadership. Protect your future
Your top executives are the engine behind your organization’s vision, growth, and long-term success—yet traditional benefit and retirement plans often fail to meet their needs. Regulatory limits and plan design gaps create critical shortfalls in areas like disability coverage, life insurance, and retirement income. These gaps not only leave executives financially exposed, but also put your organization at risk—undermining retention, weakening your competitive edge, and threatening leadership continuity.
Executive benefits aren’t optional—they’re essential to attracting, rewarding, and retaining the talent that drives your future.
Why executive benefits matter
Attracting and retaining top-tier talent in today’s competitive market requires more than a salary—it demands a clear, strategic commitment to your leadership’s financial security. We deliver a complete suite of executive benefits solutions tailored to the unique challenges employers face when rewarding, recognizing, and providing for highly compensated employees.
We know the intricacies of complex benefit plans and can tailor a program that fits the employer’s short and long-term objectives and budget. We employ a mix of strategies including:
Supplemental disability income protection
Group long-term disability plans typically cap benefits at income levels far below what highly compensated employees earn, leaving a large portion of their compensation unprotected. Supplemental disability income protection fills this critical gap, ensuring your top talent is covered in the event of a serious illness or injury—without placing a heavy cost burden on the organization.
Supplemental life insurance
Group life insurance plans often provide inadequate coverage for highly compensated employees, offering only a fraction of the protection relative to their income. Supplemental life insurance ensures these key leaders have sufficient coverage, aligning benefits with their financial responsibilities and reinforcing your organization's commitment to their well-being.
Long-term care (LTC) insurance
Long-term care expenses can quickly erode retirement savings, posing a significant financial risk to aging key employees and their families. Providing long-term care insurance as part of your benefits package helps protect their hard-earned wealth and demonstrates your commitment to their long-term well-being—even beyond their working years.
Supplemental retirement strategies
Regulatory limits on qualified retirement plans like 401(k)s prevent highly compensated executives from saving enough for retirement through traditional means. Supplemental retirement strategies are essential to bridge this gap, ensuring your leadership team receives benefits that align with their contribution and value to the organization.
Funding and revenue strategies
Without strategic funding, benefit plans may strain cash flow and impact financial performance. Funding and revenue strategies—such as BOLI, CUOLI, COLI, ICOLI or GICs—help offset these costs, turning a potential liability into a sustainable, balance-sheet-friendly investment.
By closing critical gaps in income protection, life insurance, and retirement, Risk Strategies Executive Benefits programs ensure your key talent feels valued, secure, and committed to your organization’s long-term success.
