The PIU Communicator Library
Case Study Snapshot: Private Pilot Accidental Death Insurance - 04/07/2026
The board of directors of an accounting firm had just purchased $3,000,000 of key person term life insurance on a 63-year-old executive officer to help protect their flourishing company. The key executive had recently begun pilot training courses and had fewer than 100 flight hours logged. The term life policy would not cover him as […]
Case Study Snapshot: Loss of License - 03/03/2026
A 55-year-old corporate pilot was employed by a large California tech firm to fly executives and business guests around the country on their large corporate jet. His flight hours were consistent throughout the year, and his annual compensation was $275,000. The pilot was unable to qualify for the firm’s group disability coverage because of his […]
Case Study Snapshot: High-Limit, Supplemental Disability - 02/03/2026
An orthopedic surgeon and part owner of a successful surgery center in Florida was making $1,200,000 annually. His clinic provided taxable group disability benefits capped at $25,000 per month. He also had an additional layer of individual coverage from a domestic U.S. carrier providing him with another $25,000 per month. Considering the doctor’s growing family, […]
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: Impaired Risk Disability - 07/29/2025
A 53-year-old corporate executive was making $350,000 annually. He was wanting to secure $17,500 per month of benefit through a traditional disability income policy. Due to an extensive medical history, he was being turned down for disability insurance by every domestic carrier his agent approached. He was moderately obese, suffered from Type II diabetes which […]