The PIU Communicator Library
Changing the Typical High-Net-Worth Narrative - 04/22/2025
High-net-worth individuals. Traditionally, that label certainly doesn’t encompass most Americans, but unrecognized by many in the financial services industry, it does include a broad swath of prospective clientele who are everyday searching for additional financial protection options and more-well-rounded, balanced insurance portfolios. The moniker of HNWI is in itself misleading. It can be a turn-off […]
State of the Disability Insurance Market in the United States: Trends, Growth, and Outlook - 02/11/2025
The U.S. disability insurance market continues to evolve, driven by demographic shifts, technological advancements, and changing economic conditions. Over the past five years, growth in sales across individual, Guaranteed Standard Issue (GSI), and business disability coverages has demonstrated both resilience and adaptability. Leveraging data from Milliman, LIMRA, and industry leaders, this article explores key trends, […]
Case Study Snapshot: Excess Disability - 02/03/2025
An attorney was a partner in a large Chicago law firm, and he was making $1,000,000 annually. The partnership had agreed to provide mandatory group benefits capped at $20,000 per month. He separately applied for an additional layer of individual coverage from a carrier willing to provide him with another $20,000 per month. Considering the […]
Financial Discrimination - 12/17/2024
The United States is one of the wealthiest countries in the world. There are by far more billionaires in the U.S. than in any other nation, and there are more than 10 million American millionaires. This is a land of economic freedoms and opportunities that few other places on Earth offer. But even in this […]
Insurance for Chiropractors - 12/03/2024
From a disability insurance underwriting perspective, certain occupation classes require more finesse than others. One such classification is that of the chiropractor, not as risky as an underground coal miner, but definitely more concerning to disability carriers than an accountant. But why? Why are chiropractors such difficult prospects and are frequently unwanted by insurance companies? […]
Retirement Protection - 11/19/2024
One of the most horrific fears of many Americans is the possibility of outliving their cash and financial holdings. But as we witness in real world practice, this common concern doesn’t typically lead to personal accountability or proactive measures early enough. Most working age Americans aren’t sufficiently progressing toward savings and wealth accumulation. We worry […]