The PIU Communicator Library
Income Replacement Strategies - 07/09/2024
Disability insurance isn’t usually the first product on the minds of most U.S. insurance advisors, nor is it on the minds of their clients. The average American seldom inquires about most aspects of insurance, but when they do, it usually entails coverage types more requisite to government mandates, like medical or auto insurance, or preconceived […]
Pilot Insurance Part 1 – Income Protection - 06/11/2024
Disability income insurance is imperative to professional aviators. Whether a pilot flies for an airline, is self-employed as a crop duster, provides executive transport or fights forest fires from a helicopter, the reality of disablement exists among every class of aviator. Due to accident or illness, there is always an imminent threat of short-term and […]
It’s All in the Fundamentals - 04/02/2024
I try to frequently remind myself that importance in most matters of life is always in the fundamentals. The basic nature of insurance these days is what’s truly important for Americans. Personal disability insurance is one of those elementary financial needs of any professional, and in a perfect world should be as commonly prescribed as […]
Selling Disability Insurance to Younger Generations - 03/19/2024
According to a 2022 study by the U.S. Bureau of Labor Statistics, the median age of the American workforce is under 43-years old, yet most disability insurance sales (and the sale of most elective insurances for that matter) are made to employed persons over the age of 45. From these numbers we can tell that […]
Layering Benefits to Effectively Safeguard Income - 02/27/2024
Common sense and assumption based on experience in the life and health insurance industry have led me to the realization, which I’m certain most of you have witnessed and will wholeheartedly agree upon, that most clients and hopeful prospects—most, not all—are in no way proactive when it comes to their insurance needs. No matter how […]
There Isn’t Much Scarier - 10/31/2023
I’m not talking about ghosts or goblins or anything supernatural, but there isn’t much scarier than losing your physical ability to earn a living. Disablement is an unfortunate natural phenomenon. It is a regular part of life, of many lives in fact, in this country. According to the U.S. Census Bureau, over 27% of U.S. […]