The PIU Communicator Library
Marketing DI to Younger Generations - 08/19/2025
According to a 2024 study by the U.S. Bureau of Labor Statistics, the median age of the American workforce is about 42-years old, yet most disability insurance sales (and the sale of many elective insurances for that matter) are made to employed persons over the age of 45. From these numbers we can tell that […]
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, […]
Prospecting From Your Office Chair! - 7/8/2025
I am often asked, “how do I sell high-limit or excess disability insurance?” The first step is identifying a prospect. In the world of excess DI coverage, you need to be aware of how much disability insurance a person should have versus what they are able to get from the standard markets. In general, a […]
Preserving the Here and Now - 06/10/2025
What is important to you as an advisor? Selling peace of mind to your clients? Assisting in planning for their economic present and future? Building their families safe harbors in case of unexpected catastrophe? All are altruistic endeavors and purposeful goals for someone working in our industry. But how do you make those intentions a […]
Disability Insurance – Serving Its Purpose - 05/20/2025
Imagine for a moment not being able to work for a living and losing the ability to perform the duties of your occupation because of an unforeseen accident or chronic illness. Your ability to earn a fair living is arguably your greatest personal asset. A regular income not only allows for the reasonable necessities of […]
Guaranteed Issue DI - 05/13/2025
Guaranteed Standard Issue (GSI) disability insurance. It is the most efficient and economical method for business owners to sufficiently insure themselves and their employees against disablement and the subsequent eventuality of loss of income. It is also an incredible door-opening sales tool and commission earner for insurance agents. GSI coverage is multiple-life, high-limit disability insurance […]