The PIU Communicator Library
No Such Thing as a Bad Risk – Part 1 - 08/18/2026
The world of disability insurance written at Lloyd’s of London is often considered mysterious. This is a perception. That which is not typical is often misunderstood in the insurance industry. As a Lloyd’s underwriter, I am frequently presented with risks that fall well outside those written by traditional American disability carriers. Standard DI markets have […]
Excess for Success - 07/14/2026
Often when insurance professionals think of Petersen International for excess disability insurance including group GSI coverage and individual DI, they think of only high-income earners. And yes, we do often illustrate the need for supplemental disability insurance for people making lofty incomes. But the truth is that our bread and butter cases are the same […]
Case Study Snapshot: Harbor Pilot Group Disability - 07/07/2026
The occupation of harbor pilot is a very intriguing one from a disability insurance perspective. They are mariners with decades of experience, highly trained and educated and highly paid. Their occupation duties can be physically and mentally demanding as they board moving vessels and help guide captain and crew through highly populated, highly traveled and […]
Longevity Risk – The Fear of Outliving Our Money - 06/09/2026
A recent survey by the Allianz Center for the Future of Retirement found that Americans are more concerned with outliving retirement savings than actually dying. 67% worry about running out of money prior to their demise than death itself. They also worry about affording healthcare and long-term care into retirement. The survey statistics demonstrate how […]
Case Study Snapshot: Chiropractor DI - 06/02/2026
A 34-year-old chiropractor just opening her own private practice was rightfully aware she needed to be well insured. She recognized how physically demanding her job could be and disability insurance was a priority. In addition to her own personal income, she was concerned with the financial protection of her fledgling business and her new employees […]
The Importance of Supplemental DI In Today’s Evolving Market - 05/19/2026
It’s a great time to be in the business of disability insurance, especially from an advisor, broker or consumer perspective. Foreign and domestic markets have been softening for some time now and many carriers and underwriting outlets lately seem to be fighting for DI dollars, willing to write for gross premium volume in the short […]