Supplemental, high-limit disability benefits have been available to higher-income clientele for decades. Excess disability plans are traditionally sold on an individual basis. However, in recent years, excess disability products have become available in the multi-life GSI market, providing the advantageous ability to reduce or even eliminate underwriting altogether while at the same time increasing discounts […]
Next Monday marks the 240th birthday of our nation and the historic signing of the Declaration of Independence. We are a society that has grown from a fledgling colony of farmers and shipbuilders, struggling under the heavy-hand of the British monarchy, into one of the richest and arguably the most powerful sovereign country in the […]
Founded only a few miles from the famed Hollywood sign in Los Angeles, California, Petersen International is deeply rooted in the entertainment industry. For more than 35 years, we have been privileged to write high-limit disability insurance and specialty life coverage on the who’s who of Tinseltown. Several decades ago, Petersen International developed the first […]
This coming Sunday is Father’s Day – a day which we set aside to honor the men in our lives that helped raise us, took us to ball games when we were young and to R-rated movies when we grew older. We salute the men who protected us when we were scared and scolded us […]
Since the first half of the twentieth century, about 7,000 people have attempted to climb the tallest peak in the world, and almost 300 of them have perished doing so. In the high elevations of the Himalayas, death befalls climbers due to a number of different causes including altitude sickness, falls, avalanches and rope accidents. […]
The Games of the 31st Olympiad are coming to the beautiful and wild shores of Rio de Janeiro this summer. And like the Sochi Games of a couple of years ago, the Rio Olympics are already tainted by crisis. Rumors are swirling of government corruption and unsafe conditions for spectators and competitors alike. The entire […]
Most Americans will agree that having health insurance is imperative to cover medical bills in case we get sick or are injured and have to go to the hospital or a doctor’s office. The federal government now monetarily penalizes taxpayers for not having proper coverage, as healthcare has become a requisite purchase in the United […]
There is simply much more to disability insurance than selling policies and earning commissions. Americans need to be frightfully aware of the real possibility of disablement during one’s career and the devastating potential loss of earnings. Any scenario that involves total or partial loss of income should be an immediate wake-up call to anyone lacking […]
As insurance professionals, we must celebrate our current successes and the general good health of the DI market, but we must also be wary of future turbulence and the hazards the industry may soon face. For the last decade it’s been a buyer’s market which has clearly been beneficial to the consumer. The world’s personal […]
As residents of a democratic nation built upon economic models of capitalism and free market systems, personal income is our greatest asset. Without a regular paycheck, we wouldn’t be able to live as we are accustomed; we wouldn’t be able to provide the same food and shelter for our families or education for our children. […]