The PIU Communicator Library
When Disability Insurance Leaves High Earners Exposed - 3/24/2026
Jamie Fleischner, disability insurance specialist and President of Set For Life Insurance, was kind enough to have our own Tom Petersen as a guest on a recent episode of her Income Protection Journal podcast. Below is a link to the episode where she and Tom discuss why high-net-worth individuals are often disproportionately financially exposed during […]
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 […]
Is Disability Insurance That Important? - 02/24/2026
That’s an easy one. The answer is “yes, it is.” DI is the most important line of insurance available to working Americans. So why then is there such an emphasis in this country on the marketing and sales of other products like medical insurance and life insurance while DI sales lag significantly behind? Don’t get […]
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, […]
Residual Disability - 01/27/2026
Not all disabilities manifest themselves equally. There are many thousands of recognized diseases and countless ways to injure and horribly afflict the human body. And although modern medicine has been remarkably able to serve mankind and heal our fragile bodies, the disabled community is the single largest minority group in the United States. Over 20% […]
Disability Insurance Policies Are NOT Created Equal - 01/20/2026
As you do your due diligence for your clients and weigh the pros and cons of disability insurance products from various carriers, be mindful that not all income protection plans are created equal. Policy wordings, definitions and claims viability can vary drastically amongst domestic disability carriers as well as throughout the venerated Lloyd’s of London […]