The PIU Communicator Library
Case Study Snapshot: Buy/Sell Failure to Survive - 10/06/2026
Partners of an accounting firm were seeking life insurance policies to financially indemnify their corporate buy/sell agreement which would fund the buy-out of an owner’s shares in the company should one of them die. The majority owner had been declined by several domestic life carriers due to her health history. The 67-year-old CPA had a […]
You Should Absolutely Make DI Part of Your Life Sales Pitch - 09/22/2026
Yes, death is a certainty and disablement is not. But let’s discuss why disability insurance should be a regular part of your business and why it’s a natural complement to your life insurance sales. Physical or mental disablement is a sobering reality. The chances of becoming disabled and losing the ability to earn a living […]
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, […]