The PIU Communicator Library
A New Frontier of Employee Benefits - 10/08/2024
The employee benefits market, although mostly rewarding to its advisors, continues to be a complicated and sometimes muddled playing field. American companies, no matter their size, are at times being forced to provide benefits which they can hardly afford, and compliance and management headaches have surpassed most common levels of reason. Human resources personnel and […]
Income Replacement Strategies - 07/09/2024
Disability insurance isn’t usually the first product on the minds of most U.S. insurance advisors, nor is it on the minds of their clients. The average American seldom inquires about most aspects of insurance, but when they do, it usually entails coverage types more requisite to government mandates, like medical or auto insurance, or preconceived […]
Upselling Is Not a Gouge - 04/16/2024
Whether we label ourselves insurance agents, planners, advisors, brokers or executives, most of us, in one form or another, are salespeople. We provide services to paying customers and rightfully sell our services to make a living, to provide a means to financially support ourselves and our families. This is not something to take lightly or […]
The Best Prospecting - 02/21/2023
I surmise most of you are independent insurance brokers and general agents with practices focused on individual benefits and estate planning services. Rarely, if ever, do most of you venture into the group and employee benefits sectors, but it wouldn’t hinder your business at all to consider looking there once in a while. The experience […]
When It Comes to DI, More Is Certainly Better - 06/16/2020
Supplemental, high-limit disability benefits have been available to higher-income clientele for decades. Excess disability plans are traditionally sold on an individual basis. However, in recent years, excess disability products have become available in the multi-life and group guaranteed-issue markets, providing the advantageous ability to reduce or even eliminate underwriting altogether while at the same time […]
The New Disability Frontier - 09/10/2019
For more than a decade, Petersen International has been nurturing and coddling the fledgling Guaranteed Standard Issue (GSI) disability insurance market. But the sector has now come into its own. It is the most efficient and economical method for business owners to insure themselves and their employees against disablement and the subsequent eventuality of loss […]