The PIU Communicator Library
Preserving the Here and Now - 06/10/2025
What is important to you as an advisor? Selling peace of mind to your clients? Assisting in planning for their economic present and future? Building their families safe harbors in case of unexpected catastrophe? All are altruistic endeavors and purposeful goals for someone working in our industry. But how do you make those intentions a […]
Disability Insurance – Serving Its Purpose - 05/20/2025
Imagine for a moment not being able to work for a living and losing the ability to perform the duties of your occupation because of an unforeseen accident or chronic illness. Your ability to earn a fair living is arguably your greatest personal asset. A regular income not only allows for the reasonable necessities of […]
Disability Insurance Awareness Month 2025 - 05/06/2025
As disability insurance marketers, producers and purveyors, the month of May is our time to shine brightly. It’s when we can take a serious moment to recognize, celebrate and promote the fundamental importance of income protection. Disability insurance is an imperative product and has such a significant financial impact on consumers and their businesses. I […]
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 […]
State of the Disability Insurance Market in the United States: Trends, Growth, and Outlook - 02/11/2025
The U.S. disability insurance market continues to evolve, driven by demographic shifts, technological advancements, and changing economic conditions. Over the past five years, growth in sales across individual, Guaranteed Standard Issue (GSI), and business disability coverages has demonstrated both resilience and adaptability. Leveraging data from Milliman, LIMRA, and industry leaders, this article explores key trends, […]
Case Study Snapshot: Excess Disability - 02/03/2025
An attorney was a partner in a large Chicago law firm, and he was making $1,000,000 annually. The partnership had agreed to provide mandatory group benefits capped at $20,000 per month. He separately applied for an additional layer of individual coverage from a carrier willing to provide him with another $20,000 per month. Considering the […]