The PIU Communicator Library

Case Study Snapshot: Hazardous Occupation Disability Insurance - 03/25/2025

A 33-year-old electrical linesman had been advised by friends and co-workers to seek out disability insurance in case he was injured on the job or became sick and unable to work and provide for his young family.  He was in great health but had been turned down for coverage from several domestic carriers due to […]

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Case Study Snapshot: Excess Disability - 02/03/2025

An attorney was a partner in a large Chicago law firm, and he was making $1,000,000 annually.  The partnership had agreed to provide mandatory group benefits capped at $20,000 per month.  He separately applied for an additional layer of individual coverage from a carrier willing to provide him with another $20,000 per month.  Considering the […]

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A Buy/Sell Failure to Survive Case Study - 07/23/2024

Petersen International’s Failure to Survive product provides a simplified-issue death benefit on a term chassis to customers who need coverage quickly or who are not eligible or the right fit for traditional term insurance.  Typical uses of the insurance are for third-party key person situations, to indemnify buy/sell agreements and other business contracts, divorce decrees […]

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Risk Spotlight – Real Life Case - 09/21/2021

A 42-year-old general dentist was in the process of purchasing a flourishing practice from a retiring colleague.  To fund the $1,250,000 transaction, she had secured terms for a practice loan from a commercial bank on a 10-year note.  The client had satisfied most of the lender’s demands, but was struggling to secure a collateralized life […]

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From Doctor to Boxer - Tuesday, April 16, 2013

This tale began when a renowned physician enrolled in an extreme “boot camp” style fitness program. Dr. D. became obsessed with his exercise routine which slowly evolved into a hazardous hobby. The boot camp program utilized a variety of activities including sprints, tractor tire flipping and boxing…

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Real Life Cases: Dr. B - Tuesday, November 27, 2012

Untitled Document November 27, 2012 Real Life Cases: Dr…

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