The PIU Communicator Library
Not Your Dad’s Buy/Sell Disability Plan - 09/17/2019
Buy/sell disability insurance is an integral part of any sound business succession plan, providing monthly or lump sum proceeds to a business owner with the explicit intent to purchase corporate shares from a permanently disabled partner; essentially allowing a healthy owner or owners to buy-out a disabled partner’s interest in the company. A problem that […]
Minimizing Corporate Risk with Buy/Sell Disability Insurance - 03/27/2018
Although it feels to some of us that we are, by necessity or not, going to work for the rest of our lives, most Americans will retire by the age of 70. Now that number is definitely increasing due to a multitude of factors (improvement in healthcare, increased longevity, lack of retirement planning confidence, etc.) […]
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 […]
“Buy/Sell Plus” Insurance - Tuesday, March 11, 2014
The total disablement of a business owner is a major cause of an established business’ untimely and premature demise. Insurance advisors and agents have various products at their disposal to help combat the financially destructive forces of corporate disability. Regarding business continuation and the transfer of ownership of that business to existing or new partners […]
Disability Buy/Sell Solution - Tuesday, March 5, 2013
Businesses are structured in various ways these days. Some of these frameworks are partnerships, LLC’s and corporations, and within each entity there can be many unique designs causing underwriting issues for the traditional disability insurance marketplace… Learn More
Great Ideas for Unique Insurance Sales Opportunities: Replacement of Inadequate Coverage - Tuesday, January 18, 2011
In the arena of inadequate disability coverage, we often use words such as “replacement, rescue, and supplement”. Replacement coverage must be prescribed carefully, for it is not intended to replace coverage provided by other insurers except for a bona fide use that represents a sound improvement to an insured’s present coverage… Learn More