The PIU Communicator Library
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 […]
Disability Insurance Awareness Month 2025 - 05/06/2025
As disability insurance marketers, producers and purveyors, the month of May is our time to shine brightly. It’s when we can take a serious moment to recognize, celebrate and promote the fundamental importance of income protection. Disability insurance is an imperative product and has such a significant financial impact on consumers and their businesses. I […]
Changing the Typical High-Net-Worth Narrative - 04/22/2025
High-net-worth individuals. Traditionally, that label certainly doesn’t encompass most Americans, but unrecognized by many in the financial services industry, it does include a broad swath of prospective clientele who are everyday searching for additional financial protection options and more-well-rounded, balanced insurance portfolios. The moniker of HNWI is in itself misleading. It can be a turn-off […]
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 […]
Succession Planning and Buy/Sell Disability Insurance - 03/11/2025
Americans are extending working careers and business ownership longer than ever before, making succession planning so vital in maintaining business continuity and balance when an owner decides to finally retire. But how do you avoid instability during a regime change and the partial or entire sale of a thriving business? You employ a thoughtfully constructed, […]