Guaranteed-Issue Excess Disability Insurance

Learn how to skip the cumbersome individual disability insurance underwriting with Guaranteed-Issue Multi-Life Insurance.

Top 25 Occupations Quoted – 2017

Discover the Top Occupations in need of Excess Disability Insurance with Petersen International Underwriters Top 25 most quoted occupations.

Loss of License Specialty Income Insurance Specifically for Pilots

Learn how Loss of License Insurance is a superior income protection insurance for professional pilots.

The Ultimate Business Planning Solution Buy Sell Plus

Your business owner client’s have a lot of concerns on their mind, and disability insurance isn’t one of them. Making sure the lights turn on tomorrow morning and payroll is made next week are far more important to them. But sometimes the biggest threats are the ones they choose to ignore. As an insurance professional, it’s your duty to effectively communicate the need for proper business planning solutions. Buy Sell agreements are riddled with legal jargon and fine print, and many times no one is there to illustrate the impact of a disabled partner. Petersen’s Buy Sell Plus is in your tool kit, and here’s how the ultimate business planning tool works.

Guaranteed-Issue DI Webinar

As an insurance agent, you don’t sell products – you provide solutions. Discover a key DI solution available to your clients that answers common rebuttals related to cost, medical exams, and drawn out underwriting. Learn about Petersen’s guaranteed issue opportunities, how to find the right clients, and the specific information you need to get it done. This live discussion will give you the tools for guaranteed-issue success!

Graded Benefit DI Webinar

Looking for the best coverage for your impaired risk client? Don’t let medical history leave an exclusion on your client’s DI policy

Real Talk Disability Insurance

You’ve been surrounded by disability insurance awareness month for all of May, but how will you apply these concepts for the other 11 months of the year? Join Petersen International as we take a look at the celebration of disability insurance and summarize how you can make DI a regular theme in all of your future appointments.

Stock Option Income Protection

Working with publically traded companies, or employees of Corporate America? These top suite Executives earn a majority of their income through stock options. Petersen International debuts a ground-breaking product that can now protect these earnings against the conceivable threat of a disability. Join us as we introduce our newest and most innovative product yet.

Excess Income Protection to Age 70

Did you know about Petersen’s Accelerated Benefits to Age 65 plan? If not, do not worry, we’ve increased these capacities yet again! We invite you to our live introduction of the new Accelerated Benefits to Age 70 plan and the excess guaranteed issue opportunities it entails. Learn about the comprehensive income protection the Accelerated benefits plan can offer your clients and the significant role it plays in their comprehensive financial plan.

Multi Life Guaranteed Standard Issue Webinar

As an insurance agent you provide solutions. Discover a key DI solution available to your clients that answers common rebuttals related to cost, medical exams, and drawn out underwriting. Learn how to identify key clients, gather the specific information you need, and be aware of key points and options. This 30-minute live discussion will give you the tools for guaranteed-issue success!

Loan Indemnification Disability Insurance

When a bank lends money to a business, the lender will usually require the borrower to provide proof of disability insurance equaling the amount of the loan payments. This insures the lender that should the borrower become sick or hurt, the loan repayment will continue. Often times there is also a desperate need for urgency when dealing with a loan approval and the funding of the loan.

This “own occupation” defined loan disability product provides customized benefits tailored to the client’s loan agreement with a five year term of insurance and benefit periods available up to 120 months.  The goal of Petersen International’s  Loan Indemnification Disability Plan is to satisfy lender requirements while refraining from the appropriation of personal disability benefits which usually become crucial to maintaining a semblance of the lifestyle of the insured and the insured’s family during a time of disablement. Protect your business clients.  Protect their Personal Disability Income benefits.  Inform them of the necessity and the beneficial attributes of Loan Indemnification Disability Insurance. For more information please click here to download our Loan Indemnification Disability Insurance brochure or contact our office for more information.

Accelerated Benefit To Age 65 Plan

The new Accelerated Benefits To Age 65 plan is a radical new concept in the excess disability insurance marketplace. This new product will set premiere agents apart from the rest.

Real Life Cases: Dr. B

The case of Dr. B gives an example of how limits with the domestic disability insurance market may inadequately protect certain incomes and retirement plans. Fortunately, Petersen International offers solutions to these problems.

Real Life Cases: XYZ, Inc.

Real Life Cases: In this edition we illustrate how Group LTD and Individual DI may be insufficient for higher income earners and how our Guaranteed Issue Supplemental Disability Plan can be offered to an employee group or organization.

Real Life Cases: Ms. D

In this edition, we discuss how unusual occupations can cause problems with securing traditional disability coverage, and how Petersen International Underwriters provides solutions for this type of case.

Real Life Cases: Dr. V

This Real Life Case shows how the Petersen International Underwriters’ Loss of Future Earnings Disability Plan can help young professionals who stand to have a significant increase in income later in their careers.

Real Life Cases: Mr. E

This Real Life Case demonstrates how individuals with unique or hazardous professions can have trouble obtaining Disability Insurance through the traditional domestic insurance carriers and the solution that Petersen International Underwriters can provide.

Real Life Cases: Mrs. K

Here is another example of how supplemental disability insurance is often needed to properly and adequately protect ones income.

Real Life Cases: Mr. A

In this episode, we discuss the need for supplemental disability coverage. Even if someone has coverage, perhaps through work, chances are they need more. To not have enough money in the face of a disability is tragic. Make sure your clients have at least 65% of their incomes insured.

Residual Disability Insurance

Residual disability benefits play an important role when it comes to the financial recovery of a disabled person. People will usually continue to experience a loss of income after recovering from a disability, even though they might be able to work full time. The delay of financial recovery always falls behind physical recovery. Petersen International Underwriters’ Residual Disability Rider provides a benefit to replace the missing income until the insured is able to become financially sound once again.

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Protecting Your Loved Ones

Don’t wait until it’s too late. Now is the right time to learn how disability insurance can help you protect your loved ones from financial disaster.

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Guaranteed Issue Disability Insurance – Attorneys

Even with Group LTD and Individual coverage, your clients can still be underinsured. With a supplemental Guaranteed Issue Disability plan through Petersen International Underwriters, you client can adequately protect their income with coverage up to 75% of income.

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Guaranteed Issue Disability Insurance – Executives

Even with Group LTD and Individual coverage, your clients can still be underinsured. With a supplemental Guaranteed Issue Disability plan through Petersen International Underwriters, you client can adequately protect their income with coverage up to 75% of income.

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Guaranteed Issue Disability Insurance – Physicians and Surgeons

Even with Group LTD and Individual coverage, medical professionals can still be underinsured. With a Supplemental Guaranteed Issue Disability plan through Petersen International Underwriters, medical professionals of any speciality can adequately protect their income with coverage up to 75% of income.

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Mugged by a Disability

Becoming disabled is very similar to being mugged. Only when your disabled, your paycheck is stolen from you month after month until you are able to recover. This video illustrates what could happen if you do not properly protect your paycheck.

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Business Disability Insurance

Most businesses have multiple expenses that would greatly impact a company if a key person became disabled. Such expenses include, buy-sell agreements, overhead expenses, loan payments, or simply the loss of a key employee. Business Disability Insurance can help protect your company against such perils.

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Guaranteed Issue Disability Insurance

Even with Group LTD and Individual coverage, your clients can still be underinsured. With a supplemental Guaranteed Issue Disability plan through Petersen International Underwriters, you client can adequately protect their income with coverage up to 75% of income.

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Personal Disability

Disability Insurance is important, but what is even more important is obtaining adequate amounts of disability insurance. This video demostrate the importance of protecting your income.

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Building Block of Income Protection Planning

Many people do not realize the importance of securing their income anchor stone with disability insurance. In this video we illustrate the impact of not secure income replacement, or disability, insurance.

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No Such Thing as a Bad Risk: Special Risk Disability Insurance Coverage

Special Risk Disability Insurance plans for unique insurance risks. Petersen International Underwriters is a Lloyd’s Coverholder specializing in impaired, high limit and excess disability insurance for individuals, groups and business situations.

Debt vs Income Insurance

In this video, we discuss the need for income protection rather than debt insurance.