Lenox Advisors helps companies create voluntary executive carve-out benefit programs to provide supplemental insurance coverage for highly compensated employees. These programs are important because standard benefit plans often do not adequately replace the income of senior executives if they become disabled. Lenox Advisors works with clients on an individual basis to design customized insurance packages for each executive and provides support services to administer the programs. Their approach focuses on educating executives rather than just providing brochures, and clients appreciate the personalized attention.