The PIU Communicator Library

Fire Storm - 11/12/19

This has been an extra eventful fire season in California.  Here in the southern part of the state, the infamous Santa Ana weather phenomenon has produced record-breaking wind patterns in the last couple of months that have produced sporadic gusts over 70 miles per hour, wreaking havoc on trees and power lines all over this […]

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Life Supplement Coverage for Pilots - 10/14/2019

Life insurance is naturally very important to persons who fly airplanes or helicopters for either work or recreation.  Although advances in aircraft technology, flight practices and pilot training have made traveling by air generally safer than riding in an automobile, accidents do happen and planes do crash.  Many hundreds of American pilots and their passengers […]

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Insurance Solutions for Those with HIV - 01/22/2019

The human immunodeficiency virus and its resulting manifestation as AIDS remains an incurable, microscopic scourge that has ravaged many communities throughout the world over the last several decades.  HIV/AIDS has historically been a lethal epidemic which arose in the early 1980’s in the U.S. and spread suddenly among certain populations – eventually to all corners […]

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Disaster Can Be but a Moment Away - 12/18/18

Life is precious, but the human body is fragile. Although Mother Nature has given us a sturdy structure of bone, muscle and tissue with the incredible ability to withstand trauma and heal, we aren’t impervious. No matter how healthy a person may be and no matter how much he or she stays physically fit, every […]

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Not Your Typical Accidental Death Insurance - 09/25/2018

In my experience, when suggesting accidental death insurance to a life agent, the idea is usually met with contempt. Many life brokers I have encountered scoff at the insinuation that “accident only” coverage is a valid or appropriate option for their life insurance clients – “it is simply a rider to a proper life policy […]

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A Simplified-Issue Death Benefit - 05/22/2018

Over the last few decades, the Surplus Lines specialty market has been successful in developing some of the life and health insurance industry’s most brilliant and forward-thinking products for American businesses.  Failure to Survive (FTS) insurance is one such incredible evolution that is recently proving to be an incredible tool for U.S. life agents and […]

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