The PIU Communicator Library

When It Comes to DI, More Is Certainly Better - 06/16/2020

Supplemental, high-limit disability benefits have been available to higher-income clientele for decades.  Excess disability plans are traditionally sold on an individual basis.  However, in recent years, excess disability products have become available in the multi-life and group guaranteed-issue markets, providing the advantageous ability to reduce or even eliminate underwriting altogether while at the same time […]

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Making up for Lost Time - 05/18/2020

As the COVID-19 crisis continues, the business world as we know it has changed – at least temporarily.  Our friends and colleagues in London continually report that the financial and insurance districts in the city are mostly shutdown and the office buildings remain quite empty.  But human lives and businesses are adaptable as most financial […]

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Simplified-Issue Individual Disability Insurance - 05/12/2020

Like life insurance products, disability programs come in many different shapes and sizes designed to fit varying client needs and budgets.  But acquiring sufficient amounts of DI can be challenging and time consuming to both broker and client alike.  That is never more true than it is today, especially in the current COVID-19 climate when […]

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The Simplified Underwriting DI Plan – Case Study - 08/20/2019

The Petersen International Simplified Underwriting DI plan is on a roll and needs to be a staple of your product portfolio.  The “own-occupation” defined policy streamlines the underwriting and acquisition of excess disability coverage, saving clients valuable time and money. After a prospect has been approved for and issued a fully-underwritten disability policy from a […]

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Income Protection: Important for Professionals, Critical for Pilots - 08/06/2018

I often speak about the importance of income protection, or disability insurance (whichever title resonates more with you), as the hidden gem beneath all successful financial plans. Income protection is the platform on which your financial pyramid sits; it’s the fundamental layer that holds everything intact. If you think about everything you pay for in […]

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On to the Next Chapter - 1/15/2018

For years, [the Disability Insights column in Broker World Magazine] has been a devotion and a sincere reflection of the passion for disability insurance held by the great W. Harold Petersen.  I know Harold has deeply enjoyed his tenure, sharing his unfathomable knowledge and remarkable insights to the relatively misunderstood and often overlooked world of […]

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