The PIU Communicator Library
Advice from a Route 91 Survivor - 08/28/2018
It has been nearly a year since the tragic events of the Route 91 Music Festival in Las Vegas, Nevada, and as a survivor of the shooting, I am without a doubt, a changed man. Although I continue to struggle with many negative effects from the event, such as being nervous in crowded areas, getting […]
DI Basics: The Tiered-Benefit Structure - 08/21/18
Disability insurance is an often overlooked, undervalued and misrepresented financial safeguard. Yet, it the greatest resource an income-earner has in protecting one’s economic freedom against the very real threat of not being physically able to make a living due to a short or long-term debilitating illness or injury. Disability insurance is essential to every working […]
Rainmaker Preservation - 08/14/2018
In the realm of big business and high finance, the term “rainmaker” holds substantial clout, influence and respect. Defined as “a person who generates income for a business or organization by brokering deals or attracting clients or funds”, a rainmaker is a key employee or business owner, usually a go-getter who is mainly responsible for […]
Income Protection: Important for Professionals, Critical for Pilots - 08/06/2018
I often speak about the importance of income protection, or disability insurance (whichever title resonates more with you), as the hidden gem beneath all successful financial plans. Income protection is the platform on which your financial pyramid sits; it’s the fundamental layer that holds everything intact. If you think about everything you pay for in […]
Excess Disability Insurance Myths - 07/30/18
One of our regional representatives, on a recent call to an employee benefits firm, had the firm’s owner make a common comment which is more myth than reality. As they were discussing “group” (GSI) excess disability coverage, the producer said his firm does not write that type of business, nor do they have any clients […]
Underwriting Out-of-this-World Risks - 07/17/2018
People outside of the insurance industry cannot appreciate the thrill of underwriting insurance – no, I am not being sarcastic. When your company is known for solving hard to place cases you will see some of the most bizarre requests. Each case brings a new learning experience, unique challenges, and obstacles that need to be […]