The PIU Communicator Library

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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Failure to Survive – The Solution for Unique Cases - 04/03/2018

Failure to Survive insurance is a unique solution that protects the financial investment of a key person or persons in the event of death. The financial exposure of corporations and investors can be a massive in the event of an unexpected death of a key person. Most firms are familiar with the financial exposure associated […]

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Not Just a Disability Shop - 8/8/17

For almost 70 years, the Petersen name has been synonymous with the disability insurance industry. W. Harold Petersen was raised under the financial weight of his own father’s disablement, so in adulthood, Mr. Petersen sought to immerse himself in the early teachings of income protection. He has made it his life’s work, his career to […]

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