The PIU Communicator Library
Kidnap & Ransom – Insurance That Saves Lives - 04/09/2024
Millions of Americans travel outside the United States every year for business and pleasure. Most venture to generally innocuous locales which are familiar or which they feel a sense of safety; although the most generic and democratic cities of North America, Europe or Asia can harbor diverse forms of criminality and danger. Yet others choose […]
It’s All in the Fundamentals - 04/02/2024
I try to frequently remind myself that importance in most matters of life is always in the fundamentals. The basic nature of insurance these days is what’s truly important for Americans. Personal disability insurance is one of those elementary financial needs of any professional, and in a perfect world should be as commonly prescribed as […]
A Divorce Decree Failure to Survive Case Study - 03/26/2024
Petersen International’s Failure to Survive product provides a simplified-issue death benefit on a term chassis to customers who need coverage quickly or who are not eligible or the right fit for traditional term insurance. Typical uses of the insurance are for third-party key person situations, to indemnify buy/sell agreements and other business contracts, divorce decrees […]
Selling Disability Insurance to Younger Generations - 03/19/2024
According to a 2022 study by the U.S. Bureau of Labor Statistics, the median age of the American workforce is under 43-years old, yet most disability insurance sales (and the sale of most elective insurances for that matter) are made to employed persons over the age of 45. From these numbers we can tell that […]
Layering Benefits to Effectively Safeguard Income - 02/27/2024
Common sense and assumption based on experience in the life and health insurance industry have led me to the realization, which I’m certain most of you have witnessed and will wholeheartedly agree upon, that most clients and hopeful prospects—most, not all—are in no way proactive when it comes to their insurance needs. No matter how […]
Ideas to Accelerate Your DI Sales - 02/20/2024
Although income protection has historically been an often overlooked, undervalued component of the life and health insurance industry, the disability insurance marketplace is where we find fresher and greater opportunities than in most other industry sectors. Recent increases in industry-wide competition, a general stabilizing of the greater marketplace as well as advances in underwriting automation, […]