The PIU Communicator Library
Disability Insurance in America - 10/10/2017
PART 2 – The experience of collecting premiums and investing reserves was probably the beginning of our industry’s inclination to view life insurance companies first as financial institutions and second as insurers. Life companies in general do not respond well to underwriting risk. Understanding this helps us to see how a separate insurance industry, the […]
Disability Insurance in America - 10/3/2017
PART 1 – The disability insurance industry in America is at a crossroads. One road leads to oblivion because many insurers have chosen to exit this business. The other road leads to monopoly because only a few life insurers have chosen to remain in the business. Tragedy for consumers and financial services professionals is the […]
Insuring the Unconventional Celebrity - 09/26/2017
The Oxford Dictionary defines the word “celebrity” as “a famous person, especially in entertainment or sport.” In this age so dominated by the millennial mindset, fame has found its way to persons of many genres that tend to push the boundaries of antiquated interpretations of sport and entertainment commonly found throughout the twentieth century. Our […]
For Consideration by Insurance Advisors - 9/18/17
As an insurance agent or broker, you dedicate considerable time, effort and direct hard-dollar expense to pursue the quest of planning for the financial security of your clients. Fundamental to their financial wellbeing is the creation of an income cash flow, under any contingency, adequate to match the outgoing cash flow also known as expenses. […]
Niche Product Marketing - 8/22/2017
The personal-lines, corporate and employee-benefits insurance industries are chock-full with products and programs with which many of you are very familiar and probably make your living selling on a daily basis. Most non-property and non-casualty insurances fall under the usual categories of life, health, annuities, disability, travel and long-term care. And most brokers and agents […]
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 […]