The PIU Communicator Library
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 […]
Physician Disability Insurance Solutions Part 1 - 11/05/2024
The U.S. physician and surgeon disability market provides an interesting landscape for insurance companies to navigate. Doctors are well-educated, typically affluent insurance prospects. They readily demonstrate a comfort in addressing their many insurance needs. And they have the income available to meet lofty premium requirements for their property, liability, life, health and disability policies. Yet, […]
How to Safeguard Estate Plans - 10/22/2024
In the most fundamental teachings of insurance, we are taught that life insurance creates an immediate estate. We also learn that annuities can be employed to liquidate an estate. But how do you financially safeguard an estate, especially during those integral income accumulation years when an individual’s economic attributes take shape, build, ride the inherent […]
A New Frontier of Employee Benefits - 10/08/2024
The employee benefits market, although mostly rewarding to its advisors, continues to be a complicated and sometimes muddled playing field. American companies, no matter their size, are at times being forced to provide benefits which they can hardly afford, and compliance and management headaches have surpassed most common levels of reason. Human resources personnel and […]
The High-Limit Disability Niche - 09/17/2024
The disability insurance marketplace may seem relatively obscure to many life and health insurance advisors active in the industry today. However, the true nature and importance of income protection is not lost on successful agents and brokers willing to step out of their proverbial comfort zones and market products that are not only pivotal safeguards […]