The PIU Communicator Library
DI Awareness Month - 05/03/2021
Welcome to Disability Insurance Awareness Month 2021. The last 14 months have seen much change to our country with numerous alterations to how many industries conduct business. Although social distancing, working from home and video conferences are the new normal, increases in vaccination rates have given way to lower COVID infection rates and deaths around much of […]
Income Protection in the High-Net-Worth Market - 04/26/2021
The common definition of a high-net-worth individual (HNWI) among economists, bankers and financiers is someone with liquid or investable assets of at least $1,000,000. That certainly doesn’t encompass most Americans, but unrecognized by many in the financial services industry, it does include a broad swath of prospective clientele, everyday searching for additional financial protection options […]
Risk Spotlight – Real Life Case - 04/19/2021
A 39-year-old psychiatrist was seeking some personal disability insurance in excess of her medical practice’s group coverage. However, she was finding it quite difficult to acquire any offers from the domestic market carriers because of her health history. She unfortunately suffers from IGA nephropathy, a chronic kidney condition as well as kidney-related lab elevations. With […]
DI for Professional Aviators - 04/06/2021
Disability income protection is absolutely imperative to professional aviators. Whether a pilot flies for a commercial outfit or private corporation, is self-employed as a crop duster or does firefighting from a helicopter, the reality of disablement exists among every class of aviator. Due to accident or illness, there is always an imminent threat of short-term […]
The Buy/Sell Plus – Disability Insurance - 03/29/2021
Buy/sell disability insurance is an absolutely 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 […]
Risk Spotlight – Real Life Case - 03/22/2021
A veterinary practice was seeking key person disability insurance on their head small animal vet. She runs the clinic, is 53 years old and is in great health. Her salary is $150,000 a year, and the partners of the practice felt some additional business insurance on her ability to work was quite prudent considering she is the […]