The PIU Communicator Library
A Buy/Sell Failure to Survive Case Study - 07/23/2024
Petersen International’s Failure to Survive product provides a simplified-issue death benefit on a term chassis to customers who need coverage quickly or who are not eligible or the right fit for traditional term insurance. Typical uses of the insurance are for third-party key person situations, to indemnify buy/sell agreements and other business contracts, divorce decrees […]
Buy/Sell Plus – One Policy, Two Benefits -
The Buy/Sell Plus disability insurance program is an innovation available only through Petersen International Underwriters. This standalone DI product marries key person disability benefits with a traditional buy/sell disability policy. You now have a source that can provide your corporate clients with the perfect balance of short and long-term benefits, properly addressing their business insurance […]
Income Replacement Strategies - 07/09/2024
Disability insurance isn’t usually the first product on the minds of most U.S. insurance advisors, nor is it on the minds of their clients. The average American seldom inquires about most aspects of insurance, but when they do, it usually entails coverage types more requisite to government mandates, like medical or auto insurance, or preconceived […]
Buy/Sell DI – Its Importance and Potential Pitfalls - 06/27/2023
Americans are extending working careers and business ownership longer than ever before in this country, making succession planning so vital in maintaining business continuity and balance when an owner decides to finally hang it up and enter a life of retirement. But how do you avoid financial catastrophe during a regime change and the partial […]
“Buy/Sell PLUS” Disability Program - 3/27/23
Buy/sell disability insurance is an integral part of any proper business succession plan, providing monthly or lump sum proceeds to a business owner with the explicit intent to purchase corporate shares from a permanently disabled partner; essentially allowing a healthy owner or owners to buy-out a disabled partner’s interest in the company. A problem that […]
Business Succession Planning - 12/22/2020
It often seems to many of us that, by necessity or not, we will have to work until we are dead and buried in the ground. Obviously, that is an overstatement of the truth, but in reality, most Americans retire by the age of 70. Now that number has increased over the last several decades […]