The PIU Communicator Library
Disability Insurance Awareness Month 2024 - 05/07/2024
It’s that wonderful and special time of year again when we as an industry take a serious moment to recognize the fundamental importance of disability insurance to the working American. Too many of us have seen the financial struggles of uninsured families when an income earner loses his or her physical ability to earn a […]
Preserving Corporate Continuity - 04/30/2024
The most important and fundamental of assets to the continuity and financial success of any American business of any size is not in its financial holdings or intellectual properties, nor is it in the more tangible equities like manufactured product, real estate, office equipment or machinery. A company’s most important asset is its workforce, the […]
Discounted Single-Pay Premiums - 04/23/2024
Petersen International prides itself on its customer service. And that attention to service doesn’t end at the quick turnaround of insurance quotes, flexible underwriting or policy servicing by our helpful and professional staff. We also strive to make the paying of premiums as easy and as comfortable as possible for the agents we work with […]
Redefining Overinsurance - Tuesday, March 19, 2013
All disability insurance carriers have genuine concerns regarding overinsurance, as it has the potential of creating a moral hazard of enticement to file unsubstantiated and unnecessary claims. Traditional disability insurance carriers address this phobia in the form of issue and participation limits…
Income Planning For the “Want” Market - Friday, September 23, 2005
Producers may not have movie stars or star athletes as clients or even prospects, but among his or her clientele and prospects there will likely be many nicely compensated people. These clients and prospects that are categorized as wealthy, or rich, are typically thought to not need disability insurance…
Top Hat Coverage - Friday, April 15, 2005
For clients whose disability needs cannot be satisfied by Disability Insurance limits through traditional carriers. Simply submit the application and the Declaration page of a fully underwritten, standard issue, personal non-cancelable guaranteed renewable disability plan, issued within the last 90 days and we will issue a supplemental plan of disability insurance up to $10,000 per month but not exceeding in total 65% of income…