The PIU Communicator Library
Marketing Disability Insurance for Profit - 03/20/2017
Insurers and producers of disability insurance are pleased to be advised that the year 2015 produced the highest level of profitability in more than 20 years as reported by Milliman, the outstanding consulting actuarial firm, some months ago. This regular survey of disability insurers started over 35 years ago. It gives the industry the best […]
The Three Tiers of DI - 03/13/2017
Disability insurance is the greatest resource Americans have in protecting personal income against the very real threat of unforeseen and debilitating illnesses and injuries. Without financial protection of one’s paycheck, a person stands to lose their single most important source of economic freedom. Income provides for one’s family, it pays for food, shelter, transportation, education, […]
Checking-In on the DI Market - 02/21/2017
As a businessperson, it’s prudent to check the pulse of your industry from time to time. You become so engrossed with the daily grind and your company’s performance that you are destined to become myopic at times and lose sight of the industry as a whole. The current status and outlook of your general marketplace […]
Pot’s Lingering Effect on the Business of Insurance - 01/16/2017
Ever since Reefer Madness was released in the 1930’s, through the counter-culture era of the 1960’s, to the beginning of the 21st century, America remained at war with weed. Marijuana has historically been persecuted similarly to “harder” illegal drugs by state and national legislatures and law enforcement, creating moral hazards that are just now being […]
Prospecting Among Your Own Clientele - 01/10/2017
Now that the busy holiday season has passed and before we enter the sometimes dreaded tax season, it is the perfect time to stir-up insurance business among your own client lists. Believe me, there are plenty of potential sales and premium awaiting you in those old files. Familiar names and faces make for great clients, […]
Specialty Income Protection in the Golden State - 12/13/2016
Disability insurance is the greatest resource Californians have in protecting personal income against the very real threat of unforeseen and debilitating illness or injury. A 2013 study by Cornel University found that 8.5% of working age, non-institutionalized Californians are disabled. A relatively small and recently shrinking collection of American insurers offers a wide range of […]