The PIU Communicator Library

Changing the Typical High-Net-Worth Narrative - 04/22/2025

High-net-worth individuals.  Traditionally, that label certainly doesn’t encompass most Americans, but unrecognized by many in the financial services industry, it does include a broad swath of prospective clientele who are everyday searching for additional financial protection options and more-well-rounded, balanced insurance portfolios. The moniker of HNWI is in itself misleading.  It can be a turn-off […]

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Don’t Fall for Common Loan Indemnification Mistakes - 03/04/2025

Whether it be personal real estate, automobiles or business expenses, most Americans finance their entire way of life by accepting money from professional lenders with the promise of repayment including interest.  Public and private companies regularly utilize business loans to start, run and enhance themselves.  Business loans are commonly used for franchise start-ups, lines of […]

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The High-Limit Disability Niche - 09/17/2024

The disability insurance marketplace may seem relatively obscure to many life and health insurance advisors active in the industry today.  However, the true nature and importance of income protection is not lost on successful agents and brokers willing to step out of their proverbial comfort zones and market products that are not only pivotal safeguards […]

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Proper Business Planning with Disability Insurance - 05/14/2024

Disablement is like the analogy of throwing a stone into a pond.  There is certainly a ripple effect.  Not only is the disabled person directly affected and in over their head, but the resulting waves hit everyone and everything in the vicinity.  Of course, close family and friends are reeling from the consequences, but so […]

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Risk Spotlight – Real Life Case - 10/26/2021

A relatively healthy 51-year-old chiropractor and business owner was seeking disability insurance to help cover his monthly office overhead expenses in case he became temporarily disabled and was unable to work for a period of time.  As he rightfully should, the client was looking for insurance in excess of his personal DI cover and was […]

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Disability Loan Insurance vs. Overhead Insurance - 12/28/2020

Capital lending and finance make the world go round.  Whether it be personal real estate, automobiles or business expenses, most Americans finance their entire way of life by accepting money from professional lenders with the promise of repayment including interest.  Public and private companies regularly utilize business loans to start, run and enhance themselves.  Business […]

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