The PIU Communicator Library
Case Study Snapshot: Business Loan Failure to Survive - 12/02/2025
A young dentist was attempting to purchase the thriving dental practice of an aging colleague. The cost of the practice required the young man to take out a business loan from a commercial lender. One of the pivotal closing requirements of the lender was a $1,200,000 life insurance policy on the young dentist with a […]
Reasons to Make DI Part of Your Life Insurance Sales - 09/16/2025
If you are a devout life insurance advisor, DI might not regularly be on your radar. A request for disability insurance may fall into your lap on occasion from a concerned prospect who has had someone close to them unexpectedly fall ill and become disabled, but your livelihood is life insurance, and that is what […]
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, […]
Don’t Fall for Common Loan Indemnification Mistakes - 03/04/2025
Whether it be personal real estate, automobiles or business expenses, most Americans finance their entire way of life by accepting money from professional lenders with the promise of repayment including interest. Public and private companies regularly utilize business loans to start, run and enhance themselves. Business loans are commonly used for franchise start-ups, lines of […]
SBA Loan Indemnification - 1/21/2025
Many checks, balances and hurdles are required when someone attempts to secure a capital advance from the U.S. Small Business Administration (SBA). One such obligation of lenders is life insurance, indemnifying the death of a borrower during a loan term. SBA lenders typically won’t close on corporate loans without collateralized backing in the form of […]
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? […]