The PIU Communicator Library
Proper Business Planning with Disability Insurance - 05/14/2024
Disablement is like the analogy of throwing a stone into a pond. There is certainly a ripple effect. Not only is the disabled person directly affected and in over their head, but the resulting waves hit everyone and everything in the vicinity. Of course, close family and friends are reeling from the consequences, but so […]
Preserving Corporate Continuity - 04/30/2024
The most important and fundamental of assets to the continuity and financial success of any American business of any size is not in its financial holdings or intellectual properties, nor is it in the more tangible equities like manufactured product, real estate, office equipment or machinery. A company’s most important asset is its workforce, the […]
Protecting the Most Crucial of Assets - 07/11/2023
The most important and fundamental of critical assets to the continuation and financial success of any American business of any size is not in its fiduciary holdings and intellectual properties, nor is it in the more readily tangible equities like manufactured product, real estate, office equipment and machinery. Arguably, a company’s most important assets are […]
Pay Attention to Key Person DI - 3/8/2023
I have a great affinity and enthusiasm for income protection insurances and the often-underestimated value of disability coverage. Like many other DI advisors in the industry, Petersen International tends to regularly sing the praises of personal DI as well as buy/sell and business overhead expense disability benefits, which in standard form, are readily available to […]
The All Important “Rainmaker” - 05/02/2022
In the realm of big business and high finance, the term “rainmaker” holds substantial clout, influence and respect. Defined as “a person who generates income for a business or organization by brokering deals or attracting clients or funds”, a rainmaker is a key employee or business owner, usually a go-getter who is mainly responsible for […]
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 […]