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Common Uses

Some Advantages of the Top Hat disability coverage:

  • Available to fully underwritten personal disability cases issued on a standard basis in the last 90 days
  • A high profit plan
  • Little added cost
  • Little added overhead
  • Full Commission

Top Hat - An Automatic Issue Plan

A severe disability may make it impossible for your client to return to work; the loss of income in that situation can be catastrophic. When every day personal expenses are suddenly unfunded, saving accounts dwindle rapidly and families are forced to worry about things they have not recently given thought to. With no monthly income it will become difficult for your clients to support their families, maintain their houses, and sustain their lifestyles.

Securing adequate personal disability insurance can be confusing, time consuming and sometimes impossible in the traditional market; with PIU’s personal disability plans, we can help most of your clients feel financially secure. Sometimes, even with a fairly comprehensive and high limit plan, your clients will feel the need for an extra cushion. PIU offers a supplemental plan to really guarantee that your clients will be fully covered in the event of a disability.

Take The Case Of...

The client whose disability needs cannot be satisfied by Disability Insurance limits through traditional carriers. Simply submit the application and the Declaration page of a fully underwritten, standard issue, personal non-cancelable, guaranteed renewalble disability plan issued within the last 90 days and we will issue a supplemental plan of disability insurance up to $10,000 per month but not exceeding in total 65% of income.

The Top Hat Plan provides the ability to automatically issue up to an additional $10,000 per month of personal disability insurance. This benefit is issued on top of a recent, fully underwritten, individual, non-cancelable disability plan from the traditional market. The Top Hat plan is simple and quick, saving your clients a lot of time and headache. The additional insurance will help your clients to feel financially secure in any situation.