The PIU Communicator Library
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 […]
Severance Disability Insurance - 12/11/2017
The business world is like a complex organism, a living thing that moves and breathes, grows and contracts, flourishes and stalls. It is ever changing according to a multitude of influences like the stock market, politics and local economies which all can greatly affect businesses no matter their size or their industry. Because of economic […]
The Sales Story - 12/04/2017
The following are words to instill in the American people to help them understand their financial needs so far as solving problems created by the “living of life.” One of the important things that must be communicated to a prospect is that you, the producer, didn’t come there with problems to give to the prospect. […]