The PIU Communicator Library
How DI Fits into Business Planning – Part 2 - 07/28/2026
Last week we discussed how overhead expense and loan indemnification disability plans are vital tools in managing business disruption, but there are other insurance products that are just as important in the grand scheme of business planning. Key person disability insurance is an important planning safeguard. The physical loss of a key employee or employer […]
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 […]
Life Insurance Awareness Month - 09/09/2025
Welcome to Life Insurance Awareness Month (LIAM). Be sure to check out the great marketing material and informational pieces developed by Life Happens (lifehappens.org) in coordination with LIAM. This initiative helps to educate consumers and the general public with unbiased information on the many important facets and uses of the various forms of life insurance. […]
There’s Lots More to DI Than Just Personal Coverage - 07/22/2025
One’s disablement causes a ripple effect. Not only is the disabled person directly affected and overwhelmed, but the resulting waves hit everyone and everything in the vicinity. Family and friends are reeling from the consequences, but so too are the disabled person’s coworkers and employers. And if the person happens to be a business owner, […]
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, […]