The PIU Communicator Library
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 […]
It’s DIAM Once Again! - 05/12/2026
As producers and marketers, retailers and wholesalers of the disability insurance industry, the month of May is when the spotlights are upon us. It’s when we can take a longer-than-usual moment to recognize, celebrate and promote the fundamental importance of income protection. Disability insurance is imperative and has historically proven to have such a significant […]
Chiropractor Disability Programs - 3/31/2026
From a disability insurance underwriting perspective, certain occupations require more consideration and finesse than others. One such profession is that of the chiropractor, not as risky as an offshore oil rig worker, but definitely more concerning to disability carriers than an accountant or even other medical specialists. But why? Why are chiropractors difficult prospects and […]
Case Study Snapshot: Loss of License - 03/03/2026
A 55-year-old corporate pilot was employed by a large California tech firm to fly executives and business guests around the country on their large corporate jet. His flight hours were consistent throughout the year, and his annual compensation was $275,000. The pilot was unable to qualify for the firm’s group disability coverage because of his […]
Is Disability Insurance That Important? - 02/24/2026
That’s an easy one. The answer is “yes, it is.” DI is the most important line of insurance available to working Americans. So why then is there such an emphasis in this country on the marketing and sales of other products like medical insurance and life insurance while DI sales lag significantly behind? Don’t get […]
Case Study Snapshot: High-Limit, Supplemental Disability - 02/03/2026
An orthopedic surgeon and part owner of a successful surgery center in Florida was making $1,200,000 annually. His clinic provided taxable group disability benefits capped at $25,000 per month. He also had an additional layer of individual coverage from a domestic U.S. carrier providing him with another $25,000 per month. Considering the doctor’s growing family, […]