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 […]
Succession Planning and Buy/Sell Disability Insurance - 03/11/2025
Americans are extending working careers and business ownership longer than ever before, making succession planning so vital in maintaining business continuity and balance when an owner decides to finally retire. But how do you avoid instability during a regime change and the partial or entire sale of a thriving business? You employ a thoughtfully constructed, […]
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 […]
Case Study Snapshot: Key Person Failure to Survive - 02/25/2025
Investors in a start-up biomedical company were seeking $5,000,000 of key person insurance to cover the life of the firm’s 37-year-old CEO and patent holder. Not only were the investors looking to indemnify the capital put into the fledgling company, but the CEO was integral to the oversight of the sales and manufacturing processes that […]
State of the Disability Insurance Market in the United States: Trends, Growth, and Outlook - 02/11/2025
The U.S. disability insurance market continues to evolve, driven by demographic shifts, technological advancements, and changing economic conditions. Over the past five years, growth in sales across individual, Guaranteed Standard Issue (GSI), and business disability coverages has demonstrated both resilience and adaptability. Leveraging data from Milliman, LIMRA, and industry leaders, this article explores key trends, […]
SBA Loan Indemnification - 1/21/2025
Many checks, balances and hurdles are required when someone attempts to secure a capital advance from the U.S. Small Business Administration (SBA). One such obligation of lenders is life insurance, indemnifying the death of a borrower during a loan term. SBA lenders typically won’t close on corporate loans without collateralized backing in the form of […]