The PIU Communicator Library
Marketing DI to Younger Generations - 08/19/2025
According to a 2024 study by the U.S. Bureau of Labor Statistics, the median age of the American workforce is about 42-years old, yet most disability insurance sales (and the sale of many elective insurances for that matter) are made to employed persons over the age of 45. From these numbers we can tell that […]
Case Study Snapshot: Impaired Risk Disability - 07/29/2025
A 53-year-old corporate executive was making $350,000 annually. He was wanting to secure $17,500 per month of benefit through a traditional disability income policy. Due to an extensive medical history, he was being turned down for disability insurance by every domestic carrier his agent approached. He was moderately obese, suffered from Type II diabetes which […]
Prospecting From Your Office Chair! - 7/8/2025
I am often asked, “how do I sell high-limit or excess disability insurance?” The first step is identifying a prospect. In the world of excess DI coverage, you need to be aware of how much disability insurance a person should have versus what they are able to get from the standard markets. In general, a […]
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 […]