The PIU Communicator Library
Preserving the Here and Now - 06/10/2025
What is important to you as an advisor? Selling peace of mind to your clients? Assisting in planning for their economic present and future? Building their families safe harbors in case of unexpected catastrophe? All are altruistic endeavors and purposeful goals for someone working in our industry. But how do you make those intentions a […]
Disability Insurance – Serving Its Purpose - 05/20/2025
Imagine for a moment not being able to work for a living and losing the ability to perform the duties of your occupation because of an unforeseen accident or chronic illness. Your ability to earn a fair living is arguably your greatest personal asset. A regular income not only allows for the reasonable necessities of […]
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 […]