The PIU Communicator Library
Chiropractor Disability Programs - 3/31/2026
From a disability insurance underwriting perspective, certain occupations require more consideration and finesse than others. One such profession is that of the chiropractor, not as risky as an offshore oil rig worker, but definitely more concerning to disability carriers than an accountant or even other medical specialists. But why? Why are chiropractors difficult prospects and […]
Addressing BTA Policy Gaps - 03/17/2026
Business travel accident (BTA) insurance is a common commodity among American companies with international interests and employees that travel throughout the world. Firms purchase BTA policies to financially indemnify employees from unexpected events while on business trips. Policies often include coverage for accidental death, dismemberment, disability and accident medical, but many traditional BTA products have […]
A Death Benefit for Hard-To-Place Cases - 02/17/2026
Numerous agents and advisors reach out to Petersen International on a regular basis seeking solutions for impaired-risk life insurance that offers more substantial limits than typical guaranteed-issue and final expense policies. Fortunately, we have a growing portfolio of term insurance products that provide high-limit death benefits on impaired-risk cases. The product line is called Failure […]
Case Study Snapshot: Cannabis Industry Key Person Solutions - 01/06/2026
A corporate conglomerate of legal cannabis dispensaries and marijuana grow operations was seeking high limits of key person life and disability insurance on their founder and CEO. Their insurance representative was finding it difficult to acquire sufficient business life and DI policies on the client because of his direct relationship to cannabis sales which is […]
Case Study Snapshot: Business Loan Failure to Survive - 12/02/2025
A young dentist was attempting to purchase the thriving dental practice of an aging colleague. The cost of the practice required the young man to take out a business loan from a commercial lender. One of the pivotal closing requirements of the lender was a $1,200,000 life insurance policy on the young dentist with a […]
Case Study Snapshot: Key Person Disability - 11/01/2025
A successful and renowned orthopedic surgeon was a partner and primary revenue generator of a growing Florida medical practice including a surgery center. His personal annual income was $1,200,000. The other business owners were greatly concerned with a permanent disability scenario in which the key surgeon would be unable to practice which would put the […]