The PIU Communicator Library
Don’t Fall for Common Loan Indemnification Mistakes - 03/04/2025
Whether it be personal real estate, automobiles or business expenses, most Americans finance their entire way of life by accepting money from professional lenders with the promise of repayment including interest. Public and private companies regularly utilize business loans to start, run and enhance themselves. Business loans are commonly used for franchise start-ups, lines of […]
SBA Loan Indemnification - 1/21/2025
Many checks, balances and hurdles are required when someone attempts to secure a capital advance from the U.S. Small Business Administration (SBA). One such obligation of lenders is life insurance, indemnifying the death of a borrower during a loan term. SBA lenders typically won’t close on corporate loans without collateralized backing in the form of […]
Insurance for Chiropractors - 12/03/2024
From a disability insurance underwriting perspective, certain occupation classes require more finesse than others. One such classification is that of the chiropractor, not as risky as an underground coal miner, but definitely more concerning to disability carriers than an accountant. But why? Why are chiropractors such difficult prospects and are frequently unwanted by insurance companies? […]
Physician Disability Insurance Solutions Part 2 - 11/12/2024
Aside from the personal economics of physicians and surgeons, business planning is also of great concern from a disability perspective. Last week we investigated addressing the personal income protection needs of medical professionals. This week we will delve further into the physician and surgeon market with an emphasis on business solutions. Like most other American […]
Marijuana Business Insurance Solutions - 09/24/2024
The U.S. legal cannabis industry has been enduring some growing pains. Several years ago, when many states legalized the sale of marijuana and THC products for medicinal as well as recreational use, sales and market share exploded. Corporate and state government revenue projections were outstanding. Investors were lining up, tens of thousands of new jobs […]
The High-Limit Disability Niche - 09/17/2024
The disability insurance marketplace may seem relatively obscure to many life and health insurance advisors active in the industry today. However, the true nature and importance of income protection is not lost on successful agents and brokers willing to step out of their proverbial comfort zones and market products that are not only pivotal safeguards […]