According to last year’s Milliman survey of the industry, the disability insurance marketplace is thriving and stronger than it has been in 20 years. Much of that success is in part due to the relatively soft DI market and the slowly increasing number of life companies that are expanding their portfolios and offering more disability […]
As I gaze out of my office window, I can tell that summer is in full swing. The Southern California afternoon sky is hazy with smoke and debris from a nearby brush fire, and the hot Santa Ana winds are blowing the branches of the towering eucalyptus trees that outline the building. The surrounding hills […]
I volunteer to go first. Privileged I feel in the fact that I have been spared the physical discomfort and the financial anguish of not being able to perform the duties of my occupation except in three cases throughout my 69 year old career. The First Time At the age of 33, I mysteriously became […]
Millions of Americans travel outside the United States every year for business and pleasure. Most venture to generally innocuous locales which are familiar or which they feel a sense of safety even though the most generic and democratic cities of North America, Europe or Asia can harbor diverse forms of criminality. Yet others choose to […]
The human body is fragile. Although Mother Nature has given us a sturdy structure of bone, muscle and tissue with the incredible ability to withstand trauma and heal, we aren’t impervious. No matter how healthy a person may be and no matter how much he or she stays physically fit, every human body is susceptible […]
The living of life costs lots of money. From the first breath of life until the last, we must spend, or someone must spend for us, money to pay for the cost of living. One’s income must equal outgo because, “Life is a Cash Flow,” and if income stops, we are financially dead. People face […]
Mr. Doe was born and raised in an upper-middle class household in suburban Chicago in the fifties. His father was a successful restaurateur and his mother, when not providing taxi service for their four children, ran a children’s clothing store. Mr. Doe was fortunate enough to spend his summers with friends at camp or on […]
When marketing and selling disability insurance, one article, one blog entry, one flyer, one advertisement or one client meeting is not going to cut it. Perseverance is important. Petersen International has been in the disability business for more than 40 years, and one of the most important things we have learned is that you have […]
The answer is quite simple and straightforward. It is far and away the most important piece of insurance that every working American should own. So why then is there such an extreme emphasis in this country on other products like medical insurance and life insurance while DI sales fail in comparison? Don’t get me wrong, […]
As you may or may not know, May is national Disability Insurance Awareness Month. Hurray! Huzzah! For some of you, the next 30 days will be a whirlwind of everything disability and centered on income protection. Promotions, conferences, symposiums, webinars, group enrollments and individual sales. For many others, the month of May is just like […]