The PIU Communicator Library

Succession Planning and Buy/Sell Disability Insurance - 03/11/2025

Americans are extending working careers and business ownership longer than ever before, making succession planning so vital in maintaining business continuity and balance when an owner decides to finally retire. But how do you avoid instability during a regime change and the partial or entire sale of a thriving business?  You employ a thoughtfully constructed, […]

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Don’t Fall for Common Loan Indemnification Mistakes - 03/04/2025

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 loans are commonly used for franchise start-ups, lines of […]

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Case Study Snapshot: Key Person Failure to Survive - 02/25/2025

Investors in a start-up biomedical company were seeking $5,000,000 of key person insurance to cover the life of the firm’s 37-year-old CEO and patent holder.  Not only were the investors looking to indemnify the capital put into the fledgling company, but the CEO was integral to the oversight of the sales and manufacturing processes that […]

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State of the Disability Insurance Market in the United States: Trends, Growth, and Outlook - 02/11/2025

The U.S. disability insurance market continues to evolve, driven by demographic shifts, technological advancements, and changing economic conditions. Over the past five years, growth in sales across individual, Guaranteed Standard Issue (GSI), and business disability coverages has demonstrated both resilience and adaptability. Leveraging data from Milliman, LIMRA, and industry leaders, this article explores key trends, […]

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SBA Loan Indemnification - 1/21/2025

Many checks, balances and hurdles are required when someone attempts to secure a capital advance from the U.S. Small Business Administration (SBA).  One such obligation of lenders is life insurance, indemnifying the death of a borrower during a loan term.  SBA lenders typically won’t close on corporate loans without collateralized backing in the form of […]

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Insurance for Chiropractors - 12/03/2024

From a disability insurance underwriting perspective, certain occupation classes require more finesse than others.  One such classification is that of the chiropractor, not as risky as an underground coal miner, but definitely more concerning to disability carriers than an accountant.  But why?  Why are chiropractors such difficult prospects and are frequently unwanted by insurance companies?  […]

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