The PIU Communicator Library
Tiered-Benefit Income Protection - 08/14/2017
Disability insurance is the greatest resource Americans have in protecting personal income against the very real threat of unforeseen and debilitating illnesses and injuries. A relatively small collection of American insurers offers a range of income protection products, providing unique features and benefit schedules dependent upon on a client’s financial planning needs and the current […]
The Ultimate Financial Planning - 07/24/2017
Agents, brokers, advisors, planners, and other producers dedicate considerable time, effort, and money to plan for their clients’ financial wellbeing. The goal is to create adequate cash flow to match expenses under any contingency. Events that affect cash flow include becoming unemployed, having a business failure, getting too old to earn money, getting sick or […]
Trends Affecting the DI Market Today - 07/17/2017
According to last year’s Milliman survey of the industry, the disability insurance marketplace is thriving and stronger than it has been in 20 years. Much of that success is in part due to the relatively soft DI market and the slowly increasing number of life companies that are expanding their portfolios and offering more disability […]
HIGH-LIMIT DISABILITY INSURANCE PLANNING - 05/31/2017
The living of life costs lots of money. From the first breath of life until the last, we must spend, or someone must spend for us, money to pay for the cost of living. One’s income must equal outgo because, “Life is a Cash Flow,” and if income stops, we are financially dead. People face […]
Real Life Story – Income Protection Insurance Works - 05/22/2017
Mr. Doe was born and raised in an upper-middle class household in suburban Chicago in the fifties. His father was a successful restaurateur and his mother, when not providing taxi service for their four children, ran a children’s clothing store. Mr. Doe was fortunate enough to spend his summers with friends at camp or on […]
Repetition Is Key to Making DI Sales - 05/16/2017
When marketing and selling disability insurance, one article, one blog entry, one flyer, one advertisement or one client meeting is not going to cut it. Perseverance is important. Petersen International has been in the disability business for more than 40 years, and one of the most important things we have learned is that you have […]