There are many repercussions when serious illness or injury strikes and keeps someone from being able to work. Not only is the disabled person directly affected and in over their head from health, emotional and financial standpoints, but the results affect everyone and everything associated with that person. Close family and friends are reeling from […]
Often when insurance professionals think of Petersen International for excess disability insurance including group GSI coverage and individual DI, they think of only high-income earners. And yes, we do often illustrate the need for supplemental disability insurance for people making lofty incomes. But the truth is that our bread and butter cases are the same […]
The occupation of harbor pilot is a very intriguing one from a disability insurance perspective. They are mariners with decades of experience, highly trained and educated and highly paid. Their occupation duties can be physically and mentally demanding as they board moving vessels and help guide captain and crew through highly populated, highly traveled and […]
This coming weekend marks the 250th anniversary of our nation. From humble beginnings to a world power. We are a nation of democratic principles and of civil rights, but we are also a nation at war abroad and suffering substantial divide and conflict at home. There is much to celebrate and there is much to […]
Some scary travel and health-related headlines have been popping up recently. Hantavirus exposure on an Atlantic cruise ship that resulted in several deaths, and numerous passengers testing positive for the deadly disease weeks after being evacuated from the ocean liner. An outbreak of Ebola disease has become a serious epidemic in remote areas of the […]
Chronic and debilitating illnesses affect millions of working Americans every year. Requiring extensive treatment, these health conditions are often life changing emotionally, physically and monetarily. Nearly one in three working adults will be diagnosed with some form of critical illness before they reach retirement. This harrowing reality has led to financial solutions like Critical Illness (CI) […]
A recent survey by the Allianz Center for the Future of Retirement found that Americans are more concerned with outliving retirement savings than actually dying. 67% worry about running out of money prior to their demise than death itself. They also worry about affording healthcare and long-term care into retirement. The survey statistics demonstrate how […]
A 34-year-old chiropractor just opening her own private practice was rightfully aware she needed to be well insured. She recognized how physically demanding her job could be and disability insurance was a priority. In addition to her own personal income, she was concerned with the financial protection of her fledgling business and her new employees […]
It’s a great time to be in the business of disability insurance, especially from an advisor, broker or consumer perspective. Foreign and domestic markets have been softening for some time now and many carriers and underwriting outlets lately seem to be fighting for DI dollars, willing to write for gross premium volume in the short […]
As producers and marketers, retailers and wholesalers of the disability insurance industry, the month of May is when the spotlights are upon us. It’s when we can take a longer-than-usual moment to recognize, celebrate and promote the fundamental importance of income protection. Disability insurance is imperative and has historically proven to have such a significant […]