The PIU Communicator Library
International Disability Insurance - 2/19/18
The U.S. State Department estimates that nine million American citizens reside outside the borders of the United States. Granted many of those are children, non-working spouses and retired expats, but nonetheless, there are millions of working Americans living or on temporary assignment in foreign countries needing insurance. Unfortunately, most U.S. group insurances and employee benefits […]
Top 25 Occupations Quoted in 2017 - 2/12/2018
Would you have guessed "Neurosurgeon" ranked 16th with an average excess disability insurance benefit of $36,100 per month? Click Here to watch this video as it counts down the Top 25 Occupations quoted by Petersen International Underwriters in 2017. In addition to their ranking, each occupation also has the average monthly benefit quoted in addition […]
The Inevitability of Impaired Risks - 02/06/2018
When it comes to life, health and disability insurance, a “preferred” risk is always attractive to an insurance underwriter or actuary. Insurance company executives favor lower-risk business from relatively young, healthy clients with clean backgrounds, as they employ table ratings, flat extras, higher premiums, postponements and even flat out declinations for those individuals viewed by […]
Educating Your Clients Will Improve Your DI Sales - 01/08/2018
No matter the insurance product, the more your clients are familiar with, the more they will be comfortable with completing an application, relinquishing their precious time to an underwriting process and ultimately choosing to spend money on some sort of prescribed financial protection. Nothing can be truer when regarding disability insurance, as there is a […]
Ready, Set, Go! - 01-02-2018
Happy New Year to you. The ball has dropped and the page has turned. We begin fresh and anew. The last 12 months have been filled with many business accomplishments as record numbers were set throughout the specialty-lines industry in 2017. The individual and group disability insurance markets seem to be stronger than we have […]
The Wall Safe - 12/18/2017
Some words of wisdom to pass on to your clients: Learning about disability insurance may seem boring to most, and to many uninformed Americans, it may seem like a lousy product to buy. Literally, it’s just a piece of paper. It has no moving parts, no wheels, no shiny chrome strips, you can’t ride on […]