The PIU Communicator Library
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 […]
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 […]