Author Archives: Jimmy Petersen

The Bread and Butter

Petersen International is a multi-generational insurance corporation that boasts a sizable product portfolio, providing a diverse range of financial services from disability insurances and international medical programs to specialty-market life and accident products as well as more obscure coverage like kidnap and ransom insurance.  In the last several years, the specialty-market buzz has been focused […]

Read More

The Failure to Survive Product Line

Key Person FTS Failure to Survive insurance is a simplified-issue business-focused term product requiring no exams or labs that can be underwritten and issued in a matter of days.  With liberal underwriting standards and unique flexibility, the Key Person FTS coverage provides a flat key person benefit, and can accommodate impaired-risk cases that would typically […]

Read More

K&R

In the insurance industry, K&R is short for Kidnap & Ransom.  That certainly conjures some scary thoughts.  I would rather worry about my home or property being damaged by a fire or an earthquake.  I don’t want to think about my family members, friends or colleagues being held against their will in some dark room […]

Read More

DI Case Study: The Tiered-Benefit Structure

Disability insurance is an often overlooked, undervalued and misrepresented financial safeguard.  Yet, it the greatest resource an income-earner has in protecting one’s economic freedom against the very real threat of not being physically able to make a living due to a short or long-term debilitating illness or injury.  Disability insurance is essential to every working […]

Read More