The PIU Communicator Library
Case Study Snapshot: High-Limit, Supplemental Disability - 02/03/2026
An orthopedic surgeon and part owner of a successful surgery center in Florida was making $1,200,000 annually. His clinic provided taxable group disability benefits capped at $25,000 per month. He also had an additional layer of individual coverage from a domestic U.S. carrier providing him with another $25,000 per month. Considering the doctor’s growing family, […]
Residual Disability - 01/27/2026
Not all disabilities manifest themselves equally. There are many thousands of recognized diseases and countless ways to injure and horribly afflict the human body. And although modern medicine has been remarkably able to serve mankind and heal our fragile bodies, the disabled community is the single largest minority group in the United States. Over 20% […]
What 2026 May Hold -
Happy New Year! 2025 was another spectacular year for Petersen International with growth along most insurance lines of the specialty markets. Individual disability and group GSI sectors continued to expand, the life and Failure to Survive markets showed consistent growth and accident and war risk insurance sales skyrocketed last year. Now let’s look ahead to […]
A Solution to Severance Liabilities -
As corporate takeovers, mergers and acquisitions continue to be regular occurrences in many business markets, continued employee downsizing throughout most industries is inevitable. When addressing potential employer liabilities, conscientious business owners will provide comprehensive severance packages at the moment of employee termination to help the newly unemployed through the sometimes-difficult transition. American business severance agreements […]
Such a Frightening Possibility! - 10/28/2025
I’m not referring to haunted houses, Halloween monsters or flesh-eating zombies. I’m talking about disablement, physical and/or mental incapacitation that leads to loss of income. There isn’t much scarier than losing your ability to earn a living. Disability is an unfortunate occurrence and a regular part of life, of many lives in fact, in this […]
DI Fundamentals – The Wall Safe - 10/07/2025
Here is a great lesson to pass on to your clients about the need for disability insurance and a unique take on the product ideology. This is from the teachings of the great W. Harold Petersen who spent his storied career enveloped in the marketing and promotion of income protection and replacement. Learning about disability […]