Not all disabilities manifest themselves equally. There are many thousands of recognized diseases and countless ways to injure and horribly afflict the human body. And although modern medicine has been remarkably able to serve mankind and heal our fragile bodies, the disabled community is the single largest minority group in the United States. Over 20% […]
As you do your due diligence for your clients and weigh the pros and cons of disability insurance products from various carriers, be mindful that not all income protection plans are created equal. Policy wordings, definitions and claims viability can vary drastically amongst domestic disability carriers as well as throughout the venerated Lloyd’s of London […]
Happy New Year! 2025 was another spectacular year for Petersen International with growth along most insurance lines of the specialty markets. Individual disability and group GSI sectors continued to expand, the life and Failure to Survive markets showed consistent growth and accident and war risk insurance sales skyrocketed last year. Now let’s look ahead to […]
A corporate conglomerate of legal cannabis dispensaries and marijuana grow operations was seeking high limits of key person life and disability insurance on their founder and CEO. Their insurance representative was finding it difficult to acquire sufficient business life and DI policies on the client because of his direct relationship to cannabis sales which is […]
The Los Angeles chapter of NAIFA has announced the Pathway to Excellence Event which will be held on April 9, 2026 at 11:00 AM at the Knollwood Country Club in Granada Hills, CA. The event will bring to the podium keynote speaker, former NBA player and financial services specialist Christopher Gandy. Another highlight of the […]
Despite the strides the Affordable Care Act has made in the world of healthcare, medical insurance gaps exist in this country. It’s true, not every senior-aged individual living in the United States qualifies for Medicare at the same point in life. ACA guidelines and state and federal insurance regulations occasionally leave some American demographics without […]
As corporate takeovers, mergers and acquisitions continue to be regular occurrences in many business markets, continued employee downsizing throughout most industries is inevitable. When addressing potential employer liabilities, conscientious business owners will provide comprehensive severance packages at the moment of employee termination to help the newly unemployed through the sometimes-difficult transition. American business severance agreements […]
A young dentist was attempting to purchase the thriving dental practice of an aging colleague. The cost of the practice required the young man to take out a business loan from a commercial lender. One of the pivotal closing requirements of the lender was a $1,200,000 life insurance policy on the young dentist with a […]
Projections indicate that Americans will be traveling outside the United States in record numbers this holiday season. But many are unaware that their medical insurance policies and governmental healthcare programs won’t provide sufficient coverage during their foreign travels. Once they cross the border, whether it be by plane, boat or car, many of the benefits […]
Despite good initial intentions, approximately 50% of all marriages in this country end in divorce. Falling in love and subsequently falling out of love is unfortunately a reality for millions of Americans every year. And no matter whether the splits in partnership are amicable or otherwise, most divorce proceedings require contractual documentation in the form […]