The PIU Communicator Library
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 […]
Case Study Snapshot: Divorce Decree Failure to Survive Insurance - 06/03/2025
A 57-year-old businessman going through a contentious divorce was seeking $750,000 of term life insurance to satisfy the divorce decree. Due to a long history of alcohol abuse and several unsuccessful in-patient rehab stints, the client was unable to secure any coverage through traditional domestic life carrier channels. His insurance agent reached out to Petersen […]
Case Study Snapshot: Hazardous Occupation Disability Insurance - 03/25/2025
A 33-year-old electrical linesman had been advised by friends and co-workers to seek out disability insurance in case he was injured on the job or became sick and unable to work and provide for his young family. He was in great health but had been turned down for coverage from several domestic carriers due to […]
Case Study Snapshot: Excess Disability - 02/03/2025
An attorney was a partner in a large Chicago law firm, and he was making $1,000,000 annually. The partnership had agreed to provide mandatory group benefits capped at $20,000 per month. He separately applied for an additional layer of individual coverage from a carrier willing to provide him with another $20,000 per month. Considering the […]