The PIU Communicator Library
There’s Lots More to DI Than Just Personal Coverage - 07/22/2025
One’s disablement causes a ripple effect. Not only is the disabled person directly affected and overwhelmed, but the resulting waves hit everyone and everything in the vicinity. Family and friends are reeling from the consequences, but so too are the disabled person’s coworkers and employers. And if the person happens to be a business owner, […]
Changing the Typical High-Net-Worth Narrative - 04/22/2025
High-net-worth individuals. Traditionally, that label certainly doesn’t encompass most Americans, but unrecognized by many in the financial services industry, it does include a broad swath of prospective clientele who are everyday searching for additional financial protection options and more-well-rounded, balanced insurance portfolios. The moniker of HNWI is in itself misleading. It can be a turn-off […]
Insurance for Chiropractors - 12/03/2024
From a disability insurance underwriting perspective, certain occupation classes require more finesse than others. One such classification is that of the chiropractor, not as risky as an underground coal miner, but definitely more concerning to disability carriers than an accountant. But why? Why are chiropractors such difficult prospects and are frequently unwanted by insurance companies? […]
Physician Disability Insurance Solutions Part 2 - 11/12/2024
Aside from the personal economics of physicians and surgeons, business planning is also of great concern from a disability perspective. Last week we investigated addressing the personal income protection needs of medical professionals. This week we will delve further into the physician and surgeon market with an emphasis on business solutions. Like most other American […]
Marijuana Business Insurance Solutions - 09/24/2024
The U.S. legal cannabis industry has been enduring some growing pains. Several years ago, when many states legalized the sale of marijuana and THC products for medicinal as well as recreational use, sales and market share exploded. Corporate and state government revenue projections were outstanding. Investors were lining up, tens of thousands of new jobs […]
The High-Limit Disability Niche - 09/17/2024
The disability insurance marketplace may seem relatively obscure to many life and health insurance advisors active in the industry today. However, the true nature and importance of income protection is not lost on successful agents and brokers willing to step out of their proverbial comfort zones and market products that are not only pivotal safeguards […]