The PIU Communicator Library
Proper Business Planning with Disability Insurance - 05/14/2024
Disablement is like the analogy of throwing a stone into a pond. There is certainly a ripple effect. Not only is the disabled person directly affected and in over their head, but the resulting waves hit everyone and everything in the vicinity. Of course, close family and friends are reeling from the consequences, but so […]
Risk Spotlight – Real Life Case - 10/26/2021
A relatively healthy 51-year-old chiropractor and business owner was seeking disability insurance to help cover his monthly office overhead expenses in case he became temporarily disabled and was unable to work for a period of time. As he rightfully should, the client was looking for insurance in excess of his personal DI cover and was […]
Disability Loan Insurance vs. Overhead Insurance - 12/28/2020
Capital lending and finance make the world go round. Whether it be personal real estate, automobiles or business expenses, most Americans finance their entire way of life by accepting money from professional lenders with the promise of repayment including interest. Public and private companies regularly utilize business loans to start, run and enhance themselves. Business […]
Minimizing Corporate Risk with BOE Disability Insurance - 07/31/2017
To run a successful business in the United States, the owner of a company must bring-in enough revenue to sustain usual expenses including rent, mortgages, utilities, loans and the payroll of employees, in turn making a profit to cover his or her own personal income and lifestyle needs. And we all know the corporate world […]
Discover a New Benefit for Physicians and Dentists - 12/15/2015
Business overhead expense (BOE) disability insurance is a cornerstone of a well-managed corporate financial plan. The coverage financially indemnifies the regular monthly overhead of a company in case of the partial or total disablement of the business owner. BOE coverage allows a business to stay afloat while the owner is on the mend with the […]
Business Insurance for Mature Business Owners - Thursday, October 16, 2014
The trend of pushing the age of retirement back a few years is on the rise. Americans are living, and therefore needing to work, longer. Wealth accumulation periods have increased due to the need for longer-term financial sustainability, as we are regularly seeing entrepreneurs undertaking new business ventures well into their sixties. The vast Baby […]