The PIU Communicator Library

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…

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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…

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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…

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America The Income Society - Friday, January 7, 2005

The first page of Form 1040 displays the essential questions regarding the most prolific tax ever conceived by the human mind, INCOME TAX. In the section of Form 1040 labeled, ‘INCOME,” the form questions the taxpayer as to the payers various sources of income…

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